topic Re: Security Freeze question in Credit Cards

Security Freeze question

CS800 — Wed, 25 Jul 2012 20:20:57 GMT

Since I'm done apping, I went ahead and froze all 3 bureau.

Can this have a negative impact on any of my cards?

Can the creditor still soft my report? If not, will that tick them off?

Re: Security Freeze question

webhopper — Wed, 25 Jul 2012 20:55:55 GMT

I've had my EQ and EX frozen since Feb... I meant to freeze TU, but I had an issue getting it to freeze. Amex can still soft me, and Chase and Discover have been softing me.

No issues there.

Re: Security Freeze question

Anonymous — Wed, 25 Jul 2012 21:19:55 GMT

Any card issuer you have relationship with can soft or hard your credit report, but I find their systems tend to be not able to hard your credit report with a security freeze on.

Re: Security Freeze question

webhopper — Wed, 25 Jul 2012 21:23:28 GMT

It blocks unwanted HPs... for example, when Discover tried to HP me when I called to ask for a CLI

Re: Security Freeze question

Anonymous — Wed, 25 Jul 2012 21:27:42 GMT

@webhopper wrote:
It blocks unwanted HPs... for example, when Discover tried to HP me when I called to ask for a CLI

I wouldn't always depend on it blocking HPs with card companies that you currently hold (ie are a customer of). They have the right to HP you without permission. But as webhopper's example shows that most credit card companies systems respect the security freeze even if they have the right to pull.

Re: Security Freeze question

webhopper — Wed, 25 Jul 2012 23:46:22 GMT

If they have a permissable purpose then yes that would be fine. Trying to solicit me for additional products is not a permissible purpose.

Re: Security Freeze question

Anonymous — Thu, 26 Jul 2012 00:34:38 GMT

@webhopper wrote:
If they have a permissable purpose then yes that would be fine. Trying to solicit me for additional products is not a permissible purpose.

but if discover would've hp'ed you it would be fine (from their end)

Re: Security Freeze question

webhopper — Thu, 26 Jul 2012 01:28:55 GMT

Yep if they had been able to HP me it would have been fine since I initiated the request

Re: Security Freeze question

gettnthere — Thu, 26 Jul 2012 02:04:46 GMT

im going to freeze all 3 CR but i was just wondering if you guys paid that fee to do it or if you guys got around without having to pay for it?

Re: Security Freeze question

CS800 — Thu, 26 Jul 2012 02:09:31 GMT

@gettnthere wrote:
im going to freeze all 3 CR but i was just wondering if you guys paid that fee to do it or if you guys got around without having to pay for it?

$5 per bureau.

Re: Security Freeze question

webhopper — Thu, 26 Jul 2012 02:09:40 GMT

I paid the fee. In my case it was $10 per bureau.

Re: Security Freeze question

Anonymous — Thu, 26 Jul 2012 02:15:06 GMT

@CS800 wrote:
@gettnthere wrote:
im going to freeze all 3 CR but i was just wondering if you guys paid that fee to do it or if you guys got around without having to pay for it?
$5 per bureau.

Re: Security Freeze question

gettnthere — Thu, 26 Jul 2012 02:16:00 GMT

@webhopper wrote:
I paid the fee. In my case it was $10 per bureau.

i just looked and this is what there gonna charge me as well. i guess the only way you can get them for free is being a victim of identitiy theft

Re: Security Freeze question

Anonymous — Thu, 26 Jul 2012 02:18:39 GMT

@gettnthere wrote:
@webhopper wrote:
I paid the fee. In my case it was $10 per bureau.
i just looked and this is what there gonna charge me as well. i guess the only way you can get them for free is being a victim of identitiy theft

Correct, plus the fee is determined by which state you live in. In my case, OH, where the fee is $5.00...

Re: Security Freeze question

gettnthere — Thu, 26 Jul 2012 02:21:39 GMT

oh ok, thanks for the info. i was wondering why there were price differences

Re: Security Freeze question

webhopper — Thu, 26 Jul 2012 02:22:35 GMT

@gettnthere wrote:
@webhopper wrote:
I paid the fee. In my case it was $10 per bureau.
i just looked and this is what there gonna charge me as well. i guess the only way you can get them for free is being a victim of identitiy theft

Or be active duty military getting ready to deploy

Re: Security Freeze question

Anonymous — Thu, 26 Jul 2012 10:04:32 GMT

I too have done this while on deployment in the past! It's $10. in California to freeze it and to unfreeze it. I think every state is diffrent I hear the some states it's free!!