topic Re: PenFed- Experian credit lock. in General Credit Topics

PenFed- Experian credit lock.

Hex — Tue, 19 Aug 2025 07:57:37 GMT

Today I was looking at my PenFed supplied FICO score and noticed that they now have Experian credit lock/unlock. They recently changed from providing scores from Equifax to providing scores from Experian. Initially I wasn’t happy with the change but free Experian credit lock makes this change a positive one. Hopefully it's not just a free trial. I haven't explored thr upgrade offer yet but the site allowed me to lock and unlock my Experian file.

Re: PenFed- Experian credit lock.

TrapLine — Tue, 19 Aug 2025 12:16:36 GMT

Be informed that a "Credit Freeze" is the industry standard. Credit Lock is one of Experian's tools (not the same).

Re: PenFed- Experian credit lock.

crystal626 — Thu, 21 Aug 2025 01:53:33 GMT

Yeah I don't trust credit locks. Freezes are federally mandated. Locks are the bureaus trying to get out of being legally liable.

Re: PenFed- Experian credit lock.

TrapLine — Thu, 21 Aug 2025 15:00:13 GMT

@crystal626 wrote:
Yeah I don't trust credit locks. Freezes are federally mandated. Locks are the bureaus trying to get out of being legally liable.

You said it very well!

Suspect that few people would actually know?

Great marketing tool. Experian is a royal pain when trying to lock and unlock a legal credit freeze. They hide it and keep trying to leverage the "credit lock" ... fortunately, we have posters such as yourself that keep us informed!

Usually, spend more time BEATING on their website until the unlock or lock the "credit freeze" shows up in the lower left hand corner of the landing page. Aw but, the "credit lock" is conveniently located in the upper right hand corner when coming onto their landing page (amazing?).

There out'ta be a law?! More regulation (NOT).

Re: PenFed- Experian credit lock.

crystal626 — Thu, 21 Aug 2025 18:34:25 GMT

@TrapLine wrote:
@crystal626 wrote:
Yeah I don't trust credit locks. Freezes are federally mandated. Locks are the bureaus trying to get out of being legally liable.
You said it very well!

Suspect that few people would actually know?

Great marketing tool. Experian is a royal pain when trying to lock and unlock a legal credit freeze. They hide it and keep trying to leverage the "credit lock" ... fortunately, we have posters such as yourself that keep us informed!

Usually, spend more time BEATING on their website until the unlock or lock the "credit freeze" shows up in the lower left hand corner of the landing page. Aw but, the "credit lock" is conveniently located in the upper right hand corner when coming onto their landing page (amazing?).

There out'ta be a law?! More regulation (NOT).

There's a trick to always getting to the freeze section. Bookmark this link and when you log in it will always take you to manage your freeze.

https://www.experian.com/help/credit-freeze/

Re: PenFed- Experian credit lock.

TrapLine — Thu, 21 Aug 2025 19:34:52 GMT

@crystal626 wrote:
@TrapLine wrote:
@crystal626 wrote:
Yeah I don't trust credit locks. Freezes are federally mandated. Locks are the bureaus trying to get out of being legally liable.
You said it very well!

Suspect that few people would actually know?

Great marketing tool. Experian is a royal pain when trying to lock and unlock a legal credit freeze. They hide it and keep trying to leverage the "credit lock" ... fortunately, we have posters such as yourself that keep us informed!

Usually, spend more time BEATING on their website until the unlock or lock the "credit freeze" shows up in the lower left hand corner of the landing page. Aw but, the "credit lock" is conveniently located in the upper right hand corner when coming onto their landing page (amazing?).

There out'ta be a law?! More regulation (NOT).
There's a trick to always getting to the freeze section. Bookmark this link and when you log in it will always take you to manage your freeze.

https://www.experian.com/help/credit-freeze/

Awesome ... thanks!