I have freezed all my credit reports (3 bureaus) for years. From my experience, no one can apply for credit or creditor cannot do an inquiry without me unfreezing the credit. I actually have a number of occasions where I applied for a credit card and the bank asked me to call them. Then they said my credit is frozen and I have to unfreeze it first. I unfreeze it and put the end date so the freeze will be reactivated.
A few days back, I applied for an apartment and I forgot to unfreeze my credit. The leasing agent was able to pull my credit from TransUnion and a hard inquiry was placed WITHOUT me unfreezing my TU credit first.
This is not a fraud because I was the one applying, but I thought credit freeze was supposed to stop inquiry until I unfreeze it?
You would think. Similar thing happened to me. With my credit union I was planning to apply for a loan. I got an auto-reject because I had forgot to unfreeze my reports. I subsequently decided to not apply and left it until I got an alert of the hard inquiry. I got another hard inquiry a month later when it tried to repull my report (I didn't cancel the application). I called the CSR and they said it shouldn't be a hard inquiry since they couldn't pull the report, but both are still on my report.
It’s a freeze.
Did you do a freeze or an extended fraud alert?
I think rentals are exempted.
From the FTC:
A credit freeze does not:
So you definitely should have to lift the freeze when hunting for an apartment.
@ Saeren you beat me to it I went straight to the FTC and looked it up and then came back and corrected it
I’m like a ninja 🤣