Reply
Established Contributor
compassion101
Posts: 576
Registered: ‎06-06-2012
0

locking two CRBs so the 3rd one will be pulled

How do you lock one of your credit reports so that it can't be pulled? Are you allowed to do it freely or is it reserved for identity theft?

 

Just wondering the prospects of locking EQ and TU so that only EX is available to be pulled. I have no plans to apply for credit in the near future but this is a business deal where my credit may be checked. I have a collection that appears on TU and EQ but not on EX.

 

Just wondering if it is a possibility, not sure I'll do it either way. 

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: locking two CRBs so the 3rd one will be pulled

That practice is very much frowned upon in the forums.  It is a violation of the TOS.

Established Contributor
compassion101
Posts: 576
Registered: ‎06-06-2012
0

Re: locking two CRBs so the 3rd one will be pulled

Ah, I didn't know.

 

TOS of the forum or of the CRBs?

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: locking two CRBs so the 3rd one will be pulled

Frequent Contributor
Kratos-TM
Posts: 429
Registered: ‎05-23-2013
0

Re: locking two CRBs so the 3rd one will be pulled

What does TOS stand for?

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: locking two CRBs so the 3rd one will be pulled

Terms of Service


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Community Leader
Senior Contributor
myjourney
Posts: 25,541
Registered: ‎02-07-2013
0

Re: locking two CRBs so the 3rd one will be pulled

http://ficoforums.myfico.com/t5/User-Guidelines-General/myFICO-Forums-Terms-of-Service/m-p/4

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Frequent Contributor
Lechte
Posts: 465
Registered: ‎10-11-2013
0

Re: locking two CRBs so the 3rd one will be pulled


guiness56 wrote:

That practice is very much frowned upon in the forums.  It is a violation of the TOS.


Now Guiness, good grief.  It's a matter of opinion.   Btw, I had no clue you were a woman, until I seen a post referencing you as "her".   For some reason, I had it in my head that you were a 55 year old man with glasses.   And i'm not being offensive...that's just the image that popped up when I saw your screenname.   Must've been the blue in your name.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: locking two CRBs so the 3rd one will be pulled


Lechte wrote:

guiness56 wrote:

That practice is very much frowned upon in the forums.  It is a violation of the TOS.


Now Guiness, good grief.  It's a matter of opinion.   Btw, I had no clue you were a woman, until I seen a post referencing you as "her".   For some reason, I had it in my head that you were a 55 year old man with glasses.   And i'm not being offensive...that's just the image that popped up when I saw your screenname.   Must've been the blue in your name.


Not where the forums are concerned.  It is a TOS.

 

Hahaha, I get that all the time.  Being a man, not so much the descriptive part of it lol.

Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007
0

Re: locking two CRBs so the 3rd one will be pulled

There are two entirely different mechanisms for restiricting access to your CR.

 

One is the placing of a fraud alert, which is based on potential identity theft.  Fraud alerts are a specific provision of the FCRA.  An initial fraud alert does not require anythng more than suspcision of possible identity theft, and last for 90 days.  To place an extended fraud alert requires submission of a police report alleging an actual identity theft.

That is the type of alert that should not be placed if you have no actual issue of identity theft.

 

The other is a "freeze," which is not provided for under the FCRA.  It is provided under either CRA policy or state statutes, and the conditions for access are speicifed under the terms of the freeze.  They extend beyond simple identity theft, and thus may not require any issue of identity theft.

 

Are you referring to a fraud alert of a credit report freeze?

 

 

 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+