topic Re: Freezing Credit Report Question in General Credit Topics

Freezing Credit Report Question

victornewman — Sun, 19 Oct 2014 03:55:21 GMT

I am seriously considering freezing my Experian credit report and would appreciate some guidance. My main question is if I do this will I still be able to pull my credit using USAA credit monitoring or myfico? I just want to make sure that I will still be able to use credit monitoring services and also still be able to use the Experian back door method.

Thank you so much for your help.

Re: Freezing Credit Report Question

Kostya1992 — Sun, 19 Oct 2014 11:38:51 GMT

Freezing doesn't block soft pulls so you can still monitor.

Re: Freezing Credit Report Question

Kenny — Mon, 20 Oct 2014 04:28:15 GMT

@victornewman wrote:
I am seriously considering freezing my Experian credit report and would appreciate some guidance. My main question is if I do this will I still be able to pull my credit using USAA credit monitoring or myfico? I just want to make sure that I will still be able to use credit monitoring services and also still be able to use the Experian back door method.
Thank you so much for your help.

Yes, the only problem would come if you have Experian frozen and then you want to sign up for the 3-bureau my fico monitoring. I say this with experience! LOL You have to have it unblocked at first and then it will work throughout if you freeze it after you've gotten the 3 bureau monitoring all set up.

Re: Freezing Credit Report Question

Cstone87 — Tue, 21 Oct 2014 10:39:32 GMT

That's

@Kenny wrote:
@victornewman wrote:
I am seriously considering freezing my Experian credit report and would appreciate some guidance. My main question is if I do this will I still be able to pull my credit using USAA credit monitoring or myfico? I just want to make sure that I will still be able to use credit monitoring services and also still be able to use the Experian back door method.
Thank you so much for your help.
Yes, the only problem would come if you have Experian frozen and then you want to sign up for the 3-bureau my fico monitoring. I say this with experience! LOL You have to have it unblocked at first and then it will work throughout if you freeze it after you've gotten the 3 bureau monitoring all set up.

correct, and once you have an existing relationship with such creditor they can soft you as many times as they like. Think Barclays