topic Re: Does a freeze prevent reporting sites from accessing your file in General Credit Topics

Does a freeze prevent reporting sites from accessing your file

dynamicvb — Mon, 29 Apr 2019 20:23:21 GMT

I decided to freeze all my reports last week just for safety. I knew I had an update on creditscorecard.com so decided to check and got a message that they could not give me my report because my file was frozen. I thought these types of access where I signed up would still work is that not the case when they are frozen?

Re: Does a freeze prevent reporting sites from accessing your file

Anonymous — Mon, 29 Apr 2019 20:26:48 GMT

Creditscorecard (from Discover) is the one I’ve found that cannot pull through a freeze. There may be others but that’s the one I’m aware of. All the other sites I’ve encountered can give you reports and scores updates while frozen.

Re: Does a freeze prevent reporting sites from accessing your file

dynamicvb — Mon, 29 Apr 2019 20:36:40 GMT

Okay, thanks for that information. I was wondering sinc eit appears that CK did update. Do you know if myfico has this issue? I do have a 3b report available that I don't want to execute until my cards updates their utilization this month. I'll remove the freezes if needed as I want to see all those scores and don't want to risk wasting my report or having to deal with support to get a fresh pull.

Re: Does a freeze prevent reporting sites from accessing your file

mikesonthemend — Tue, 30 Apr 2019 02:24:38 GMT

A freeze is not supposed to stop your ability to personally receive scores or allow soft pulls from subscription sites. Your creditors are not prevented, either.

I am a customer of Disco, so they have ability, perhaps that is why my scorecard continues to update.

While CK continues to update, any of their specific "get offers" links always produce a rash of AA letters stating my reports are locked.

Re: Does a freeze prevent reporting sites from accessing your file

Anonymous — Tue, 30 Apr 2019 08:03:10 GMT

Discover can’t ever access Experian when it’s frozen for me, I had to unfreeze when I signed up for myFICO in order to make it through the security team (this was a big headache because I had gone through the whole thing and it was throwing an error and then it dawned on me it might be the frozen reports so I had to hang up, unfreeze, and call back), and Synchrony to this day cannot pull my credit reports for a CLI if it’s frozen. I get a letter saying that they cannot approve it because my credit is frozen.

Credit freezes are a really big hassle at times. I finally decided it wasn’t worth the hassle and took mine off all three when TransUnion’s website and app both went down for like a week and wouldn’t let me manage my freeze. Good thing I saved all my PINs so I could call and lift it.

A credit freeze only allows you to get your credit report directly from the credit bureaus, third parties have to be given access. I don’t know why that doesn’t seem to apply to CK and WalletHub though, they both continued to work throughout the duration of my freezes without issue.

Re: Does a freeze prevent reporting sites from accessing your file

AverageJoesCredit — Tue, 30 Apr 2019 12:08:22 GMT

When i had Eq truely frozen, i could not see Credit Karma score for Eq nor could i see on myFico or Experian. Ymmv