Who can still access your credit files if they are locked/frozen by owner?

[Anonymous]

I'm just curiuos. I have not locked my files but was wondering if any entity like an employer, cc companies you already have on your accounts list etc.

And while locked do I still have access to my reports thru the various sources?

[Jnbmom]

Your current lenders can still access as well as any lender/collector you may owe money to.

Not sure of employers.

[Physh1]

Employers may be a hit & miss area. I have 3 parties that check my background including credit every year. 2 out of the last 3 years I've had to unfreeze my reports for them to clear me for work.

[Anonymous]

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@Physh1 wrote:

Employers may be a hit & miss area. I have 3 parties that check my background including credit every year. 2 out of the last 3 years I've had to unfreeze my reports for them to clear me for work.

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Physh1 is correct, if an employer engages a third party to conduct background checks, which is getting increasing popular these days, then you would have to unfreeze.

[Anonymous]

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@Anonymous wrote:

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@Physh1 wrote:

Employers may be a hit & miss area. I have 3 parties that check my background including credit every year. 2 out of the last 3 years I've had to unfreeze my reports for them to clear me for work.

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Physh1 is correct, if an employer engages a third party to conduct background checks, which is getting increasing popular these days, then you would have to unfreeze.

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This is good to know bc if for instance your current employer is looking it lets you know. Currently I'm not looking for job so thats good. Cap 1 is looking bc I get constant auto finance offers from them. Interesting how this credit thing works!