Is it still possible to get credit card offers with a two locked reports and a frozen EX?
I ask b/c since I’ve locked my TU and EQ, I don’t get Any Credit Card offers via mail or pre-approvals if and when I visit specific websites like Capital One, Discover, Citi etc. Hmmmm Can anyone weigh in on this?
I ask b/c since I’ve locked my TU and EQ, I don’t get Any Credit Card offers via mail or pre-approvals if and when I visit specific websites like Capital One, Discover, Citi etc. Hmmmm Can anyone weigh in on this?
Thank you. I believe I have to call to remove the freeze from Ex. The lick on TU and EQ are done instantly from an app.
-Thank you
-Thank you
Thank you. Thank Goodness I made a note of my pin. This process will make it very easy. I really appreciate you including this link. #Awesome
Good information... thanks!
@Anonymous wrote:
@CreditCharmer wrote:
Thank you. I believe I have to call to remove the freeze from Ex. The lick on TU and EQ are done instantly from an app.
-Thank youYou can actually manage your freeze on Experian online, I do it all the time, it’s just a bit weird.
https://www.experian.com/ncaconline/removefreeze
Fill out that form with your information and PIN then pick the dates you want your freeze temporarily lifted (if you do the permanent lift you’ll have to add a freeze all over again - the lift will have Experian do it automatically) and it takes effect pretty much immediately.
“Most people work just hard enough not to get fired and get paid just enough not to quit.”
@Anonymous wrote:You’re welcome!
I freeze all three. Transunion has an app you can download, Equifax has the My Equifax site, Experian just has the form because they want you to pay for their credit monitoring to get access to credit locks.
Keep in mind, only security freezes are legally mandated and often using a lock if you read the terms, they force arbitration and other unfavorable terms on you for it and also while you can take your PIN and call a number to lift a freeze with any of the three bureaus, if you have an issue managing your lock you can be stuck until they fix the technical issue. Since I have had to deal with both Transunion and Equifax’s websites refusing to let me manage my freeze and had to call the numbers and use my PIN, I would never use a lock instead.
Ohhh WoW!! I didnt know that. I knew that disbuting online came with its fair share of fine print but apparently, so does locking your report vs freezing them. It's so much red tape. ughh
Thank you for sharing these great tid=bits.
@Anonymous wrote:You’re welcome!
I freeze all three. Transunion has an app you can download, Equifax has the My Equifax site, Experian just has the form because they want you to pay for their credit monitoring to get access to credit locks.
Keep in mind, only security freezes are legally mandated and often using a lock if you read the terms, they force arbitration and other unfavorable terms on you for it and also while you can take your PIN and call a number to lift a freeze with any of the three bureaus, if you have an issue managing your lock you can be stuck until they fix the technical issue. Since I have had to deal with both Transunion and Equifax’s websites refusing to let me manage my freeze and had to call the numbers and use my PIN, I would never use a lock instead.
Excellent information and very much timely! Thank you for providing the "how to's" as it should help many 