Locking CR??

[Creditplz]

Does anyone know how I can lock my CR? I tried going online but just wanted to check here first. I don't mind paying to unlock/lock etc.

[Anonymous]

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@Creditplz wrote:
Does anyone know how I can lock my CR? I tried going online but just wanted to check here first. I don't mind paying to unlock/lock etc.

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I googled how I can lock my Credit Report?  just now.  These two articles were at the top:

http://www.huffingtonpost.com/jason-alderman/should-you-freeze-your-cr_b_3193577.html

https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs

[mattmyFIC0]

TU and EQ have premium services that allow you to lock/unlock as you want. EX doesnt have a lock/unlock ability even with their premium service unfortunately.

All of them can be frozen online and there is a fee for some states to freeze/thaw.

https://freeze.transunion.com/sf/securityFreeze/landingPage.jsp

https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp

https://www.experian.com/ncaconline/freeze

[Anonymous]

Thanks for taking the time to start this thread i was actually thinking about this last week and then forgot about it. Thanks for all the replies as well. I dont plan on applying for anything this year so i dont see any downside to locking all 3 credit reports.

[RobertEG]

It depends upon what you mean by "locking" your credit report.

The FCRA has a fraud alert process, and state laws and CRA policy provide for process for freezing your report.

They essentially place limitations on the process of acquring your reports and/or approving new or increased credit, and dont totally "lock" your report.

Existing creditors can, for example, continue to report updates required under the FCRA.

You are likely having problems researching the procedure for "locking," as the procedure is a bit more specific in restrictions imposed.

What specific limitations are you wishing to impose?

[Creditplz]

Just tried locking mine and it said I couldn't ???.. odd?? Idk why I wouldn't be able to