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Credit freeze cannot pull all 3 reports...

Frequent Contributor

Credit freeze cannot pull all 3 reports...

So, like a lot of people, I have all three CR frozen...

I went to use my once quarterly report update, and it said due to a freeze MyFico can not pull Experian....

 

What gives...

 

3/2018 - EQ 699 // TU 675 // EX 675
3/2016 - EQ 615 // TU 605 // EX 621
Message 1 of 4
3 REPLIES
Frequent Contributor

Re: Credit freeze cannot pull all 3 reports...

You'll have to remove the freeze for MyFICO to access your credit profile. I had the same issue and it's what I had to do in order to get my report.

I emailed the customer support to double check that nothing else could be done and they verified I would have to remove it.
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 644 TU 664 EX 667 - May 18’'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Message 2 of 4
Established Contributor

Re: Credit freeze cannot pull all 3 reports...

I can verify as well. Froze all 3 in early Sept & when I went up pull my monthly 3b on Oct 1st myFICO couldn't pull experian. Contacted support & they told me I'll need to unfreeze EX (they recommended all 3 but I only have the problem with EX) before pulling reports. I spent thirty seconds and requested temporary thaw of EX for 2 days starting 11/1 and was able to pull reports just fine this time.

Apparently it's a quirk with EX that they don't consider myFICO an existing relationship after freezing.
Fico8 (Jun'18) - EQ 692 TU 771 EX 778

Message 3 of 4
Member

Re: Credit freeze cannot pull all 3 reports...

You will need to temporarily unfreeze all reports before you sign up for MyFico and then put the freeze back after you sign up.

 

This article has more details about a security freeze and you might learn something new from it. 

https://www.hotpersonalfinance.com/importance-security-freeze-credit-reports/

Message 4 of 4