My credit report is frozen. Most of my accounts are joint with my wife. Is my wife’s report automatically frozen as well, or do I have to freeze hers separately?
I have two young children (both under the age of four). Because I have heard of even young children being the victims of identity theft, I am considering freezing their credit files until they are old enough to have their first credit cards. What is your opinion on this? Is it possible for a parent to freeze the credit of a minor? Would you do this for your own children?
I do not want to lift my security freeze but want to apply for a new credit card. Is that possible to do without lifting the freeze?
Can a prospective employer get a credit score on me if I have a security freeze, or do I need to remove the security freeze?
Can a utility company still obtain my report with a “soft hit” on my credit, or is my information frozen and no information can be released with a state credit freeze on my account? A utility company told me they can still do a credit check on my account even when it has a freeze on it because they do a soft hit.
Categories: Report Advice
If I have thawed my credit, how long before I can apply for credit and it will be accessible?
When I moved, I misplaced the PIN for lifting my credit freeze. Can I get another PIN, and can I request it by email?