Can someone please tell me if you can only lock your report if you subscribe with each individual credit bureau? And, if your report is locked or frozen, do you still receive preapprovals for other credit cards? I was subscribed to each CB just so I can lock my report, in order to prevent unauthorized hard inquiries, but that is pretty costly. Is there a cheaper way to do this?
Thanks in advance
Is your goal only to block the so-called promotional inquiries?
If so, you only need to opt-out.
That is free.