credit freezes

[Anonymous]

I am currently having problem with Experian unfreezing my credit report.  I unfroze it and 2 creditors said that it is not unfrozen with experian.  I called experian and they claim it is not frozen.  I went back to experian and they still claim there is no freeze with them.  I am stuck and can not get experian to figure out the problem.  anyone with a similar problem or any suggestions.  thanks in advance.

[DaveInAZ]

How long after you unfroze Experian did your creditors try? Unfreezing can take hours or a day or so to take effect.

You might try going to Experian.com and try a free trial on one of their monitoring services, it will tell you if it is frozen or not.

[Anonymous]

It has been weeks and the creditors are still seeing it as frozen.  Also, I did try the free trial and the customer service rep said it was not frozen but the 2 different creditors said it was still frozen and these were multiple calls to different reps.  A very strange situation to say the least.  I am lost, Experian is telling me, no sir you are ok for sure.  The creditors are telling me they definitely can not access experian because of the freeze.  I am lost in limbo here and all I get are customer reps that are pushing me off the phone.  I presumed somebody else is going through this and had an asnwer.  Thanks for your feedback.

[DaveInAZ]

Well, a service with Experian should tell you if your report is frozen or not. I have a service with all 3 CRAs to lock my report, so that I have control over my report instead of some rep who just wants to get rid of you asap. My EX service tells me my report is locked or unlocked.

[Anonymous]

What is nuts about this whole fiasco is that I looked it up and it states unfrozen, but multiple creditors are still telling the state of the report is frozen.  I will have to join a service to address this issue to lock and unlock which should help me with Experian in particular.

[DaveInAZ]

I have free services with TU & EQ to lock/unlock, EX is the only cheapskate that requires a pay service to lock/unlock. I use Experian IdentityWorks Plus for $9.99/mo., besides lock/unlock it gives you unlimited Fico8 scores & complete reports. I believe there is a basic IdentityWorks plan for $5.99/mo. with lock/unlock & limited scores & reports.

[Anonymous]

Looks like that is what Experian is baiting me into.  LOL.  I believe I will follow your approach with the 3 cr.

[Anonymous]

Looks like that is what EX is baiting me into, a paid service.  I will follow your approach with all 3 agencies.

[Anonymous]

Keep in mind that locking and freezing are two different functions, I believe you still have to make sure all 3 are unfrozen before locking/unlocking via app can be functional. I'm in the same boat as Dave, rather than dealing with all the inconsistencies of freezing/unfreezing, I opted for locking/unlocking except I'm currently paying zero, 4+ months ago I signed up for the CCT $1 trial and when I canceled via their automated system they canceled my Experian credit works instead. After I called into the Experian line to restore credit works and cancel CCT, Experian has not initiate the $9.95/month charge since even though it shows under my subscription, all fingers crossed.

[CountryLivin]

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@DaveInAZwrote:

Well, a service with Experian should tell you if your report is frozen or not. I have a service with all 3 CRAs to lock my report, so that I have control over my report instead of some rep who just wants to get rid of you asap. My EX service tells me my report is locked or unlocked.

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Hey DaveInAZ,

What service are you using? How much?