Freezing Credit Reports...

[dursty87]

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@Anonymous wrote:

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@ssondubs wrote:

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@CreditCuriousity wrote:

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@bada_bing wrote:

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@Anonymous wrote:

I used the "lock" feature directly on the TU site.  It worked for sure because I appd for the Lowes card and was insta-denied to which I received a letter stating the file was unaccessible.

Now question:  Having it frozen, does this prevent my good activities updating each month?

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No, a credit freeze prevents HP inquiries - that's all it does.

Just as an "opt out" prevents promotional SP inquiries - that's all it does.

A freeze will prevent an app that requires a HP from going through.

There are some credit monitoring sites - including FICO itself - that can't pull through a freeze or opt out. Credit Sesame is another one. Credit Karma has no problem pulling thru a freeze and/or opt out. I find it curious that FICO monitoring service is incompetent with pulling frozen/opted out reports they clearly have the right to do.

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I agree... Have all three reports frozen now.. Only one I expect the 3 monitoring service to pick up is equifax ...  You would think you gave them the right they should be able to SP you even with a Freeze!  The three bureau monitoring service from this site deffinetly needs alot of work left.. When frozen I can't even pull my Experian report alone from this site either ..   In the past if I ever needed to check I had to do a Temporary lift to get a report...  What a hassle..  Freezes are awesome, but have huge drawbacks as well

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Interesting.  My reports have been frozen for awhile I still get all the updates with the 3B monitoring.  I did have to temp unfreeze when I first signed up but haven't had any issues since.  

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So if i'm already signed up and I freeze, It'll be fine?

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Yup.  I've never had any issues.  For example, my newly acquired US Airways card just reported 12/29.  I got alerts from EXP and EQ and they are both frozen solid.  Oddly enough, TU isn't on ice yet I still haven't got an update...they always seem to report late for me..

[bdhu2001]

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@Open123 wrote:

For those who have frozen your credit reports, did you initiate the freeze online or in writing?  Are there any benefits processing it in writing as opposed to online?

Thanks!

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I use Fraud alerts instead.  It saves money and it's only on for 90 days. You just re-do it every 90 days and it keeps me from worrying about someone trying to open a bunch of credit in my name or someone, I haven't authorized, pulling my credit. I do it on line with Equifax, but whatever CBA you use, they advise the other two Bureaus.