Freezing Credit Report Question

[victornewman]

I am seriously considering freezing my Experian credit report and would appreciate some guidance.  My main question is if I do this will I still be able to pull my credit using USAA credit monitoring or myfico?  I just want to make sure that I will still be able to use credit monitoring services and also still be able to use the Experian back door method.

Thank you so much for your help.

[Kostya1992]

Freezing doesn't block soft pulls so you can still monitor.

[Kenny]

---

@victornewman wrote:

I am seriously considering freezing my Experian credit report and would appreciate some guidance.  My main question is if I do this will I still be able to pull my credit using USAA credit monitoring or myfico?  I just want to make sure that I will still be able to use credit monitoring services and also still be able to use the Experian back door method.

Thank you so much for your help.

---

Yes, the only problem would come if you have Experian frozen and then you want to sign up for the 3-bureau my fico monitoring. I say this with experience! LOL You have to have it unblocked at first and then it will work throughout if you freeze it after you've gotten the 3 bureau monitoring all set up.

[Cstone87]

That's

---

@Kenny wrote:

---

@victornewman wrote:

I am seriously considering freezing my Experian credit report and would appreciate some guidance.  My main question is if I do this will I still be able to pull my credit using USAA credit monitoring or myfico?  I just want to make sure that I will still be able to use credit monitoring services and also still be able to use the Experian back door method.

Thank you so much for your help.

---

Yes, the only problem would come if you have Experian frozen and then you want to sign up for the 3-bureau my fico monitoring. I say this with experience! LOL You have to have it unblocked at first and then it will work throughout if you freeze it after you've gotten the 3 bureau monitoring all set up.

---

 correct, and once you have an existing relationship with such creditor they can soft you as many times as they like. Think Barclays