win333 said:TheMan, I think I've heard you say many times that everyone wants to hit your EXPERIAN. Have you ever thought of getting a vacation home in another state (wink wink)

Maybe you know someone in another state that you trust (mom, dad, brother, sister). Most pull EQ here and I've seen others who get their TU pulled the most.

Remember RICH people have many addresses and must have a way around this problem. I know if I change my address with (BofA) for example. When that account updates on my credit report, my address will be changed. You could easily change the address back again after the AOR. There might be a few bugs to work out of it, but before EXP started allowing everyone to freeze I was going to change my address just so I could freeze.

The only proof of address I've had to provide is a Utility bill, so the address you choose should have a Utility bill you can get. Remember some people might only have the utilities in 1 persons name (your wife or friend pays utilities) so they're not in your name.

Just a thought, but if I had your problem I'd figure a way around it.I have considered this. It would most likely have to be a PMB that occasionally forwards all mail to me. The costs/potential issues are just high enough to make me hesitate.

Getting more credit is more of a liquidity issue (I want to have basically 100% of my net worth invested in stocks and 0% loans provides the cashflow), a game (how much credit can I get?), and establishing a good record for later in life (when I actually will need credit for buying a house and potentially business purposes).

If I were more driven, desperate, or actually had high interest debt, I would play the address game and I'm relatively certain it would work.

win333 said:Instead of a PMB, you could try a resident agent. They are more trust worthy and it's what they do, they charge like 100 a year and postage or something like that.

The GAME is why I would do it, Nothin better than a good puzzle.

But ya I understand, just thought i'd toss it out there.Thanks for the suggestion. When things slow down at work in a couple months, I'll seriously consider this.

pisistratus said:What's the best way to freeze one's EX report? Especially, in the way that the other two, TU and EQ, are not consequentially frozen?

gethuman.com phone number requires a credit report number in order to speak with a human.

Google experian freeze.

It can only be done thru the mail for experian. They WILL NOT freeze your TU and EQ, it cost money to freeze. Don't confuse freeze with *fraud alert*.

theman2: good thread with lots of useful information, thanks.

Sorry to post this here, but since your AOR was organized around the idea of freezing EX, I have a question to the readers in this thread:

- does it make sense to create a thread in which we accumulate the collective knowledge about freezing EX and then applying for cards? We can describe how to freeze EX, what that means, how that might affect new credit and promotions, and which issuers have been willing to check the other two if EX is frozen. That last bit would help many others to decide if it is worth for them to freeze EX or not.

I'd update QS but I think our opinions are a little different.

No chance of A/A due to having a freeze, by law it is my right to freeze and does not mean I have something to hide.

Creditors that wouldn't pull another, AMEX and Discover don't pull Experian for some people. So I don't want people to think those creditors ONLY pull Experian.

You could add this if you want:

US bank tried to pull my frozen report for my 1st app.
But my 2nd and 3rd apps pulled EQ and I only got 1 pull.

So U.S. Bank actually pulled another on it's own, I didn't even have to ask.

But I never would have known if I hadn't done the 2nd and 3rd apps. So I think no one should give up just because a creditor tries Experian. Next app it might try another, maybe each card with that creditor requires a different CRA be pulled.

WHO KNOWS, but I nothing to lose since Experian is frozen.

choe said:It seems like Texas is the same, but I remember being able to temporarily unfreeze without any fee....

BrilliantPebbles said:In California EX get's you coming and going.

• $10 to freeze
  
• $10 to do a temp un-freeze
  
• $10 to freeze it back on temp basis
  
• $10 to permanently un-freeze.

Can anybody supply an approximate timeline for unfreeze in CA ? How long does it take to
get the PIN to temp unfreeze ? Chase pulled Exp, and won't pull others.

win333 said:Have you tried a different application with chase, You might get lucky and have them pull a different 1.Maybe I live in the 'right place' but Chase business pulled a CRA other than EX 4 times (three business card applications and one CLI).

No - you won't see an alert. TC will just stop reporting Experian when its frozen. Wait for your pin, it should arrive any day now. Mine took just longer than 10 days.

Rajin said:I can confirm what Venturion said.

My freeze just went though today. PM123 is now just showing a blank column where all the Experian info would be. It didn't kick out an alert. I mailed the request out 7 days ago.

Yep, pm123 and chase will not show experian after freeze, TC will still show it. You can try to sign up for another service. If it dosn't let you, then i'm sure it's frozen or wait.

theman2 said:revheck said:I sent in Freeze letter to Experian 10 days ago and want to do an AOR on Monday.

Is there a way to confirm the freeze is in effect, other than waiting for Exp letter with unfreeze PIN?
For example, shouldn't I see a new alert in my TrueCredit report? Nothing there, so far.Try requesting a credit report through http://www.experian.com/reportaccess/. The day my report was frozen, it started coming up with a notice stating that I would have to request my report to be mailed to me.

I just tried requesting my free annual credit report, and got the same response, so looks like freeze is in effect.

However, I also just got letter from Experian today saying that they have "removed [my] name from our preapproved credit offer mailing lists for five years." No mention of security freeze, or unfreeze pin. Looks like they sent me the wrong form letter. Did anyone else receive
same form letter? In addition to unfreeze pin?