My experience freezing my credit reports

[Anonymous]

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@DeeBee78 wrote:

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@Anonymous wrote:

myFICO is unable to pull through my EX freeze. I do still get monitoring alerts and score updates, but if/when I try to purchase a new 3B report, I get an error for EX and they refund me the cost of the EX portion of the report. I placed my freeze after I was already signed up for monitoring though.

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I have the opposite experience.

I just got notified that my auto loan finally started reporting on Experian, and that a collection had just been added (**bleep**???), even though my reports are frozen. I guess it's a YMMV sort of thing. 

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That's really baffling, DeeBee!  YMMV makes sense when it is accounting for the way that a highly tuned model like FICO behaves, where it has many different scorecards and so on, and therefore may score Bob's 1 inquiry differently than Susan's.  But the question here is whether the myFICO product can access the data on a frozen Experian report.  It would seem like it should be simple: either it can or it can't.  It shouldn't be able to access Bob's but not Susan's.

Weird!

Does anyone else have any experiences with this?

[6speed8]

I didn't realize you can request a freeze just because you want to. I thought it was if you were a victim of identity theft - which I was. I've got all three flagged with the Extended Fraud Alerts for 7 years - included all documentation, police report,etc. When I received the packet from Experian, it includes a page that says to add the credit freeze, I need to get a copy of the full police report, not just the online summary printed from the police department website. I had to put in an online request to the Records Department for that and still waiting for it.

[Anonymous]

The distinction is typically one of cost.  If you have a victim of identity theft (and have whatever supporting documents they want) then the freeze is free (as is the cost of thawing it I think).  But anyone can request one, and in some states the cost is pretty small.

[JagerBombs89]

1) I can pull EQ and TU with a freeze in place.  I must temporarily thaw EX if I want to pull a report here from MyFICO.

2) In regards to the 3B monitoring, I get frequent updates on EQ and TU with freeze in place while EX gives me occasional updates.

3) With a freeze in place, none of my lenders have been able to conduct a HP on my credit reports.  I must first temporarily lift the freeze for that to happen.  However, I believe all my lenders can SP through the freeze as I have not received notification otherwise.