Posts Tagged "credit freeze"

How to lift a security freeze

Dear Experian,

How do I lift my freeze in your company?


Spouse’s credit file must be frozen separately with each credit reporting company

Dear Experian,

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?


Freezing your children’s credit histories

Dear Experian,

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?


Lifting a credit freeze to apply for credit

Dear Experian,

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?


Employers, credit scores and freezing your credit file

Dear Experian,

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?


“Soft inquiries” are not an exception to access a frozen credit file

Dear Experian,

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.


How long it takes to thaw a frozen credit report

Dear Experian,

If I have thawed my credit, how long before I can apply for credit and it will be accessible?


Replacing a lost PIN when your credit file is frozen

Dear Experian,

When I moved, I misplaced the PIN for lifting my credit freeze. Can I get another PIN, and can I request it by email?


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