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Old 11-14-2017, 09:44 AM   #21
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I recently asked Chase Sapphire which credit bureau they used to check our credit hoping to just unfreeze one of them to open a 2nd account in my wife's name. Her reply was they use all 3. So I asked a second time just to be sure hoping to only to unfreeze one; she said you can't open a new account in your wife's name without unfreezing all 3 of them.

And a credit check with all 3 was required even though my wife already has a card in my name. OK I get it I guess.

It seems to me that the whole system geared towards these 3 bureaus needs & is not friendly to the consumer at all. The breach was their fault, not the consumers. At the very least it should cost nothing
to freeze and unfreeze.

As it presently stands, I'm frozen and staying that way

In a dream world if every consumer in America froze their credit & refused to unfreeze it; the bureaus would have to change their policies to stay in business.

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Old 11-14-2017, 09:45 AM   #22
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Originally Posted by CoolRich59 View Post

I don't think Equifax is getting invited to the credit bureau Christmas party this year.

Follow up.

I unlocked my credit to re-apply for the card and was pleased to discover Experian waived the $10 charge. Too little, too late to make up for the PR disaster.

Card approved.

Numbers is hard

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Old 11-14-2017, 10:48 AM   #23
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Originally Posted by jazz4cash View Post
Credit check is required to open CD?
Yes, several credit unions do this. Maybe some banks too.
Retired since summer 1999.
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Old 11-14-2017, 10:58 AM   #24
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Originally Posted by braumeister View Post
Locked means locked.

I've always just asked which bureau they use and did a temporary unlock for a couple of days so they can check it and then it's automatically locked again. Only one fee involved.

No, a CD doesn't involve credit.
I thought people were running into an issue with PenFed and having to temporarily lift their credit freeze to buy CDs.

I have run into KBA type questions that access your credit history when buying CDs, and when I add my husband as a joint owner on new CDs at PenFed they make him answer those KBA questions even though he is already joint on all our other PenFed accounts.

I guess we'll see next time.
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Old 11-14-2017, 10:59 AM   #25
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I froze all my credit reports years ago since I wasnt having to get any new credit, and I was worried about being hacked.

Last week I called USAA about maybe getting an auto loan, and found out that even tho my AMEX is with them, I would need to
remove the freeze. I had no clue of my pins, so I just decided not to worry about it. For some reason, I did go to Experian to see what I could do, and they have the option for a single use Pin number to let a creditor look at your credit. USAA was satisfied just looking at Experian report to okay my auto loan.
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Old 11-14-2017, 11:08 AM   #26
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We only froze our credit with Equifax. Soon after, my wife wanted to get a CC (for miles of course). So we went through the online Equifax steps to unlock it for 6 weeks. Within this window of time she went for the CC and they indicated they couldn't process it because of the freeze!

So the online process didn't seem to take even though we have confirmation of it.

We are just going to do a permanent unfreeze and be done with it!
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Old 11-24-2017, 11:35 PM   #27
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I once thought I lost my wallet containing a few credit cards. (Found it after I had notified all the companies ) One of the credit cards was a Bank of America Visa. They would not issue a replacement without doing a credit check, which would have been an irritating expense and hassle. I cancelled the card.
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Old 11-25-2017, 07:27 AM   #28
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I froze our credit about 6 years ago when a pickpocket in Barcelona lifted my wallet. I have no reason to unfreeze for anything since I already have 2 credit cards and have no need for additional credit. If I need a large item like a car I'll pay as much as I can on the CC for points (and pay it off that month) and the balance in cash. We have been debt free for years and intend to stay that way. Credit is not an issue.

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Old 11-25-2017, 09:29 AM   #29
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We've had our credit frozen for years. I had to unfreeze it when I leased a vehicle earlier this year. The process was easy since I only had to unfreeze it with one bureau.

We don't need new credit cards or loans for that matter but if we do the unfreezing process is quick and easy. The inconvenience and cost are well worth the peace of mind.

We opened a few brokered CDs with Fido over these years with no credit check.

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