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Experian CR Freeze

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BobbyJ
Frequent Contributor

Experian CR Freeze

If I place a security freeze on my Experian report will I still be able to receive my monthly PSECU Experian FICO Scores?  Experian is my worst report with 14 inqs. :-(

 

Thanks,

Bobby

Fico 8 Scores: EX: 787 (6/25/21) EQ: 788 (6/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Amex Blue Cash Preferred $15K | Amex Gold Card | Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | PNC Points Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart MasterCard $2K | Walmart Store Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 1 of 6
5 REPLIES 5
DI
Super Contributor

Re: Experian CR Freeze

 
Message 2 of 6
BobbyJ
Frequent Contributor

Re: Experian CR Freeze

Any comments DI?

Fico 8 Scores: EX: 787 (6/25/21) EQ: 788 (6/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Amex Blue Cash Preferred $15K | Amex Gold Card | Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | PNC Points Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart MasterCard $2K | Walmart Store Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 3 of 6
DI
Super Contributor

Re: Experian CR Freeze

I left a comment.  I'm not sure what happened to it.  Putting a credit freeze on the report would only affect PSECU if they try to do a hard pull.  But, I have  experienced a situation with Sears where I cannot get the free credit score they offer due to my having a freeze on my TU report.  But somehow, Credit Karma is still able to soft my TU report and give me a score. 

Message 4 of 6
BobbyJ
Frequent Contributor

Re: Experian CR Freeze

Thanks DI.  I just froze the report!

Fico 8 Scores: EX: 787 (6/25/21) EQ: 788 (6/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Amex Blue Cash Preferred $15K | Amex Gold Card | Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | PNC Points Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart MasterCard $2K | Walmart Store Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 5 of 6
DI
Super Contributor

Re: Experian CR Freeze

I've had a credit freeze on my TU and EX reports since July 2009.  

Message 6 of 6
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