topic Locking the credit report in General Credit Topics

Locking the credit report

Red1Blue — Fri, 07 Feb 2020 12:36:13 GMT

When we lock the credit report can we still continue dispute and other activities ? What can be done and can not be done when the Credit Report is locked ?

Re: Locking the credit report

Anonymous — Fri, 07 Feb 2020 13:56:35 GMT

One thing I do know is that when your CR is locked, you can't app for anything. So if you're deciding to app for something anytime soon, or whenever you do, unlock those reports first!

Re: Locking the credit report

Red1Blue — Fri, 07 Feb 2020 14:27:39 GMT

@Anonymous wrote:
One thing I do know is that when your CR is locked, you can't app for anything. So if you're deciding to app for something anytime soon, or whenever you do, unlock those reports first!

Thanks. Do we have to pay for the locking the report ? When I am in Experian console it says upgrade to use the credit lock feature. Is it some thing we have to pay to CRAs for this service ?

Re: Locking the credit report

Anonymous — Fri, 07 Feb 2020 14:35:06 GMT

Yes, I believe you have to pay for a subscription to use that feature. I have Experian CreditWorks subscription for 9 something a month. I also have a monthly myFICO 3B membership so not sure why I'm still paying $$ for Experian lol.

Re: Locking the credit report

AllZero — Fri, 07 Feb 2020 20:09:03 GMT

@CreditInspired wrote:
Freeze your credit with Equifax, Experian and TransUnion

Credit Bureau Online By phone By mail
Visit: Equifax Credit Freeze page 1-800-685-1111 (NY residents call 1-800-349-9960) Equifax Security Freeze, P.O. Box 105788 Atlanta, GA 30348
Visit: Experian Credit Freeze page 1-888-EXPERIAN (1-888-397-3742) Experian Security Freeze, P.O. Box 9554 Allen, TX 75013
Visit: TransUnion Credit Freeze page 1-888-909-8872 TransUnion LLC, P.O. Box 2000
Chester, PA 19016

I found this on https://clark.com/credit/credit-freeze-and-thaw-guide/

Re: Locking the credit report

Anonymous — Fri, 07 Feb 2020 22:54:19 GMT

No, it should cost you nothing to actually freeze your CR.

Re: Locking the credit report

TekkenQQ7 — Wed, 12 Feb 2020 06:38:39 GMT

One thing I know is you can't get pre-approvals ( not for all ) if you lock your credit reports.

Re: Locking the credit report

Anonymous — Wed, 12 Feb 2020 06:39:46 GMT

@TekkenQQ7 wrote:
One thing I know is you can't get pre-approvals ( not for all ) if you lock your credit reports.

You can't get prequals because lock/freeze block SPs in addition to HPs unless they are coded as AR from an existing creditor.

Credit Bureau	Online	By phone	By mail
	Visit: Equifax Credit Freeze page	1-800-685-1111 (NY residents call 1-800-349-9960)	Equifax Security Freeze, P.O. Box 105788 Atlanta, GA 30348
	Visit: Experian Credit Freeze page	1-888-EXPERIAN (1-888-397-3742)	Experian Security Freeze, P.O. Box 9554 Allen, TX 75013
	Visit: TransUnion Credit Freeze page	1-888-909-8872	TransUnion LLC, P.O. Box 2000 Chester, PA 19016