Reply
Established Contributor
Posts: 722
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. 

Epic Contributor
Posts: 22,406
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
Posts: 722
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?

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

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

Frequent Contributor
Posts: 431
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
Posts: 13,892
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
Posts: 27,327
Registered: ‎02-07-2013
0

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

Frequent Contributor
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)


Epic Contributor
Posts: 22,406
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.

Epic Contributor
Posts: 20,923
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?

 

 

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.