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Does a fraud alert/credit freeze prevent me from getting Fico scores?

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Budoka
New Contributor

Does a fraud alert/credit freeze prevent me from getting Fico scores?

I may have been the victim of identity theft. Trying to sort it out now but I want to put a freeze on my credit report(s).

 

Will this prevent me from getting monthly FICO scores at my banks? (eg Chase, Amex, Citi)

 

I know this will prevent me from getting approvals online for new credit but are there any other effects that I should be aware of? For example, I use Intuit Mint to manage my finances. Will that be blocked? etc etc

 

Thanks for the assist everyone.

Message 1 of 4
3 REPLIES 3
Remedios
Credit Mentor

Re: Does a fraud alert/credit freeze prevent me from getting Fico scores?

Your existing creditors still have access to your reports (scores), so you will be getting them like you normally would. 

 

 

Message 2 of 4
Anonymous
Not applicable

Re: Does a fraud alert/credit freeze prevent me from getting Fico scores?

It shouldn't create any issues with you getting your scores from soft pull sites, accessing accounts, etc. The only caveat I am aware of is Discover's free CreditScorecard service, even though it is a soft pull it will not show you a score if your Experian report is locked/frozen.

Message 3 of 4
Budoka
New Contributor

Re: Does a fraud alert/credit freeze prevent me from getting Fico scores?

Thanks for the replies everyone. Much appreciated. I am going to go ahead and freeze them. I was lucky that I caught the identitity theft early on so can move swiftly. Also reading the sticky about it on the forums here and using it as an action plan. Thanks.

Message 4 of 4
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