topic Re: Opting-In with Locked TransUnion & Equifax (frozen Experian in Credit Cards

Opting-In with Locked TransUnion & Equifax (frozen Experian

CreditCharmer — Sat, 04 May 2019 04:01:31 GMT

Is it still possible to get credit card offers with a two locked reports and a frozen EX?
I ask b/c since I’ve locked my TU and EQ, I don’t get Any Credit Card offers via mail or pre-approvals if and when I visit specific websites like Capital One, Discover, Citi etc. Hmmmm Can anyone weigh in on this?

Re: Opting-In with Locked TransUnion & Equifax (frozen Experian

Anonymous — Sat, 04 May 2019 04:44:34 GMT

You have to remove the locks and freeze when you go to check for a prequal because they do a SP on one or more bureaus and can’t do it if you have a lock or freeze.

Re: Opting-In with Locked TransUnion & Equifax (frozen Experian

CreditCharmer — Sat, 04 May 2019 12:41:21 GMT

Thank you. I believe I have to call to remove the freeze from Ex. The lick on TU and EQ are done instantly from an app.
-Thank you

Re: Opting-In with Locked TransUnion & Equifax (frozen Experian

Anonymous — Sat, 04 May 2019 19:45:51 GMT

@CreditCharmer wrote:
Thank you. I believe I have to call to remove the freeze from Ex. The lick on TU and EQ are done instantly from an app.
-Thank you

You can actually manage your freeze on Experian online, I do it all the time, it’s just a bit weird.

https://www.experian.com/ncaconline/removefreeze

Fill out that form with your information and PIN then pick the dates you want your freeze temporarily lifted (if you do the permanent lift you’ll have to add a freeze all over again - the lift will have Experian do it automatically) and it takes effect pretty much immediately.

Re: Opting-In with Locked TransUnion & Equifax (frozen Experian

CreditCharmer — Sun, 05 May 2019 23:20:25 GMT

Thank you. Thank Goodness I made a note of my pin. This process will make it very easy. I really appreciate you including this link. #Awesome

Re: Opting-In with Locked TransUnion & Equifax (frozen Experian

Anonymous — Sun, 05 May 2019 23:28:45 GMT

You’re welcome!

I freeze all three. Transunion has an app you can download, Equifax has the My Equifax site, Experian just has the form because they want you to pay for their credit monitoring to get access to credit locks.

Keep in mind, only security freezes are legally mandated and often using a lock if you read the terms, they force arbitration and other unfavorable terms on you for it and also while you can take your PIN and call a number to lift a freeze with any of the three bureaus, if you have an issue managing your lock you can be stuck until they fix the technical issue. Since I have had to deal with both Transunion and Equifax’s websites refusing to let me manage my freeze and had to call the numbers and use my PIN, I would never use a lock instead.

Re: Opting-In with Locked TransUnion & Equifax (frozen Experian

HighAchiever — Mon, 06 May 2019 03:03:37 GMT

@Anonymous wrote:
@CreditCharmer wrote:
Thank you. I believe I have to call to remove the freeze from Ex. The lick on TU and EQ are done instantly from an app.
-Thank you
You can actually manage your freeze on Experian online, I do it all the time, it’s just a bit weird.

https://www.experian.com/ncaconline/removefreeze

Fill out that form with your information and PIN then pick the dates you want your freeze temporarily lifted (if you do the permanent lift you’ll have to add a freeze all over again - the lift will have Experian do it automatically) and it takes effect pretty much immediately.

Good information... thanks!

Re: Opting-In with Locked TransUnion & Equifax (frozen Experian

CreditCharmer — Mon, 06 May 2019 12:56:46 GMT

@Anonymous wrote:
You’re welcome!

I freeze all three. Transunion has an app you can download, Equifax has the My Equifax site, Experian just has the form because they want you to pay for their credit monitoring to get access to credit locks.

Keep in mind, only security freezes are legally mandated and often using a lock if you read the terms, they force arbitration and other unfavorable terms on you for it and also while you can take your PIN and call a number to lift a freeze with any of the three bureaus, if you have an issue managing your lock you can be stuck until they fix the technical issue. Since I have had to deal with both Transunion and Equifax’s websites refusing to let me manage my freeze and had to call the numbers and use my PIN, I would never use a lock instead.

Ohhh WoW!! I didnt know that. I knew that disbuting online came with its fair share of fine print but apparently, so does locking your report vs freezing them. It's so much red tape. ughh

Thank you for sharing these great tid=bits.

Re: Opting-In with Locked TransUnion & Equifax (frozen Experian

Anonymous — Mon, 06 May 2019 17:44:48 GMT

@Anonymous wrote:
You’re welcome!

I freeze all three. Transunion has an app you can download, Equifax has the My Equifax site, Experian just has the form because they want you to pay for their credit monitoring to get access to credit locks.

Keep in mind, only security freezes are legally mandated and often using a lock if you read the terms, they force arbitration and other unfavorable terms on you for it and also while you can take your PIN and call a number to lift a freeze with any of the three bureaus, if you have an issue managing your lock you can be stuck until they fix the technical issue. Since I have had to deal with both Transunion and Equifax’s websites refusing to let me manage my freeze and had to call the numbers and use my PIN, I would never use a lock instead.

Excellent information and very much timely! Thank you for providing the "how to's" as it should help many