Credit monitoring - LOCKING CREDIT PROFILES? Does it actually work?

[Anonymous]

For example. TC offers a Credit LOCK. They say no creditor can pull your credit while it is locked. This is not a Credit Freeze. Just a lock. Does it work?

Will stop hard pull?
Will it stop a new (not a current lender) from doing a soft pull?

Thanks.

[Anonymous]

I think PP is PP.  Let's see what everyone else says.

Rob

[Anonymous]

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FICO_Focused wrote:

I think PP is PP.  Let's see what everyone else says.

Rob

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Soft Pulls are not PP. That is the point of the Opt Out function.

I was referring to the Hard Pulls in my last post.

Rob

[Tuscani]

Freeze and Lock sounds like the same thing... don't get sucked into the marketing hype.