#EXPERIAN UNFREEZE CREDIT FREE#

I didn't pay when I did it and I'm pretty sure there was no charge to do either back then.

Maybe now they are pretty much the same though there does seem to be a difference as Experian discusses each in that a lock is something you pay for. Only once did I need to unlock it with one bureau about 2+ years ago and it went OK. Now I can't remember which I did but I chose the one that was the most restrictive. At the time, I believe the term credit freeze was not the same thing as a credit lock and I think the lock was a tighter locking of the credit report where a freeze was good for some timeframe like maybe 2 years. I shut down access to my credit report with all 3 bureaus several if not 10 years ago. To date, I had no ramifications from their poor record keeping affecting to my credit or credit score. I refuse to send Experian my personal identification records. TransUnion and Equifax have no problem validating me, so those are the ones I check. Why they even ask about a loan that was paid off 25 years ago bewilders me. It was paid off years before my Dad made me the Trustee and I was never a party to that loan. Mom and Dad bought their house 50 years ago and they had a loan. When I select 'none of the above', I get bounced. Their original loan amount is never one of the answers offered. For example, the validations questions always ask me about loan $ amount to the address of my Dad's home. Seems that Experian can't figure out where I live and they've crossed details between me and him. I am Joint on my Dad's Banking and Credit Card accounts, as I 100% handle all of his finances. I live in my own home in a different city that my Dad. Dad has his home and a vacation home, both titled to the Trust. My Dad is very elderly and I am the Trustee of his Rev. I have a similar problem with Experian's validation, but not with the other bureaus. Through contact with his creditors that hound me, I know that if his ex-wife's name appears as a choice for people that I lived with and I say no, I know that I am going to fail the verification. In my case, the third party verifier has my info data merged with another person with the same first and last name in my zipcode. With some research, I have concluded that the questions that credit companies ask are not from your credit report with that company, but from a third-party verifier. This happens with one of the other credit bureaus also, I forget which. I log in, they ask questions that I answer correctly, and then they say it can’t be processed online.

#EXPERIAN UNFREEZE CREDIT FREE#

Not exactly the same issue, but For the past few years I have been unable to get my free annual credit report from Experian.

I'll try and call Experian this week, but I've heard that is really frustrating and hard to get to a human. I'm pretty scared now that someone has hacked my account on Experian, and somehow has my SSN linked to a different birthday, and is now out wrecking my credit standing. What!!!! Obviously I know my birthday and SSN, so what does this mean? I did so, and Experian came back and said those don't match. This takes you to a page where you have to enter your birthday and SSN. The next step was to try the 'forgot username'. Did I somehow use something other than my email address but not save it in BitWarden? Ok, so at this point I'm starting to get a little worried. It asked me for my email address (which hasn't changed in 20 years), but then it came back saying that there was no account with that email address. I decided the obvious next step was to do the 'forgot password' on the site. I know I logged in earlier this year just fine, so I wasn't sure what it could be. I save username / passwords both in BitWarden and Google Chrome, and I double checked that they were the same. Transunion and Equifax worked fine, but my login failed on Experian. I was applying for a new credit card this morning, but before I did I knew I needed to unfreeze (temporarily) the three credit bureaus.

Experian unfreeze credit