Posts Tagged "FACTA"

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?

– CJT

Free report for loan declination does not restart clock for FACT Act free report

Dear Experian,

I pulled a credit report because of a declined application. Does that restart the clock for the annual report, or are they separate events?

– WLS

Free credit reports under FCRA and FACT Act

Dear Experian,

If you have been denied credit recently are you entitled to a credit report if it has been less than one year since you received a free report?

– MML

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