https://ficoforums.myfico.com/t5/General-Credit-Topics/TrueCredit-quot-Lock-quot/m-p/423295#M122995 <P>With my TrueCredit subscription I see I can lock my Transunion report for free, and have heard you can do this with the other bureaus for a relatively small cost.&nbsp; I'm just curious what this actually blocks?&nbsp; I can still pull my own reports, correct?</P><P>&nbsp;</P><P>Listed near the bottom is the following disclaimer:</P><P>&nbsp;</P><P>Disclaimer<BR />TrueCredit Lock will only prevent delivery of your TransUnion credit report. It will not apply to your Equifax or Experian credit report. Remember that while a credit lock prevents most third party access to your credit report, a third party may access a locked report in certain instances that are considered a low risk for identity theft such as, official government investigations, collection activities and insurance underwriting and claims administration.&nbsp;</P><P>&nbsp;</P><P>Would this prevent unscrupulous debt buyers from "probing" your account, or would they likely fall under this abovementioned clause?&nbsp; Also, would it cause problems for soft inquiries of say your present credit card company checking your status for CLI eligibility, etc.?&nbsp; I rather like the idea of being able to force a clean inquiry record except for the times I know I'm actually going to apply for credit.</P> Sat, 24 Jan 2009 19:54:46 GMT Anonymous 2009-01-24T19:54:46Z https://ficoforums.myfico.com/t5/General-Credit-Topics/TrueCredit-quot-Lock-quot/m-p/423295#M122995 <P>With my TrueCredit subscription I see I can lock my Transunion report for free, and have heard you can do this with the other bureaus for a relatively small cost.&nbsp; I'm just curious what this actually blocks?&nbsp; I can still pull my own reports, correct?</P><P>&nbsp;</P><P>Listed near the bottom is the following disclaimer:</P><P>&nbsp;</P><P>Disclaimer<BR />TrueCredit Lock will only prevent delivery of your TransUnion credit report. It will not apply to your Equifax or Experian credit report. Remember that while a credit lock prevents most third party access to your credit report, a third party may access a locked report in certain instances that are considered a low risk for identity theft such as, official government investigations, collection activities and insurance underwriting and claims administration.&nbsp;</P><P>&nbsp;</P><P>Would this prevent unscrupulous debt buyers from "probing" your account, or would they likely fall under this abovementioned clause?&nbsp; Also, would it cause problems for soft inquiries of say your present credit card company checking your status for CLI eligibility, etc.?&nbsp; I rather like the idea of being able to force a clean inquiry record except for the times I know I'm actually going to apply for credit.</P> Sat, 24 Jan 2009 19:54:46 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/TrueCredit-quot-Lock-quot/m-p/423295#M122995 Anonymous 2009-01-24T19:54:46Z https://ficoforums.myfico.com/t5/General-Credit-Topics/TrueCredit-quot-Lock-quot/m-p/424585#M123114 i recently locked all 3 of my cbr's. i have true credit and i am still able to pull my own reports. freeze's blocks anyone else from pulling them unless you unlock them first. Tue, 27 Jan 2009 03:32:26 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/TrueCredit-quot-Lock-quot/m-p/424585#M123114 mamalawery 2009-01-27T03:32:26Z