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edjr

Credit freeze question

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all my credit (reports) are frozen.

 

if I want to allow a company to pull my credit, can they do it with my PIN or do I have to unlock it?

 

google didn't help.

 

anyone have experience.

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Pm me your ss, address, pin, place of first employment, birth date, name of first pet, and mother's maiden name and I will help you out.

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Pm me your ss, address, pin, place of first employment, birth date, name of first pet, and mother's maiden name and I will help you out.

You forgot first stuffed animal, first school, and first street name

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My daughter had to do this recently. She did a temporary unfreeze, and had to do it herself. She had to do it over the phone with one of the credit agencies

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I don't know for sure, but my understanding is you need to unfreeze it if any new credit/loan accounts are opened in your name. But companies can look up your credit score without you doing anything. My wife and I were able to get pre approved for a home loan without unlocking ours, but we never actually got the loan.

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