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If I freeze my reports, will I still be able to use the credit trackers? Like CCT, CK and walmart fico score? TIA
Yes, it should have no effect on using those services.
I have a freeze on all three of my reports and have the 3B Ultimate product and this time when it was time for the three reports to be retrieved FICO was unable to get my report from experian. I wish I would have know so i could have lifted the freeze for them. I am going to see if there is anything to be done now since i paid for three reports every quarter
@Anonymous wrote:
I have to unfreeze my CRs on all three CBs in order for the reports to be pulled. It was a hit and miss in the beginning, but fairly consistent now. I just unfreeze the report a day before the scheduled pull through the day after the scheduled pull to be safe.
Dont you have to pay everytime you freeze and unfreeze your repeorts? doesnt his become costly ?
@Anonymous wrote:
@Anonymous wrote:
I have to unfreeze my CRs on all three CBs in order for the reports to be pulled. It was a hit and miss in the beginning, but fairly consistent now. I just unfreeze the report a day before the scheduled pull through the day after the scheduled pull to be safe.Dont you have to pay everytime you freeze and unfreeze your repeorts? doesnt his become costly ?
It depends on what state you're in. Here in PA, it's $10.70 a pop.
@Anonymous wrote:
@Anonymous wrote:
I have to unfreeze my CRs on all three CBs in order for the reports to be pulled. It was a hit and miss in the beginning, but fairly consistent now. I just unfreeze the report a day before the scheduled pull through the day after the scheduled pull to be safe.Dont you have to pay everytime you freeze and unfreeze your repeorts? doesnt his become costly ?
It can be... costly is relative. In some states, it absolutely free (too bad I don't live in one of those states!)
In my state, it's $3 per CB to unfreeze. The re-freeze is automatic when the unfreeze date expires and they don't charge for that. So only the unfreeze is what costs - for me that's $9 each month. Certainly not a cost I want to have, but since I am monitoring my CR like a hawk until I apply for a mortgage and I don't want to leave it unfrozen for the remainder of the month, it's well worth that $9 each month to me.