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Experian Credit Lock, What Does it actually stop...

Dandytf
Dandytf Posts: 5,073 Forumite
Part of the Furniture 1,000 Posts Name Dropper
in Credit file & ratings
mser's
I have Experian Credit Lock Alerts via email, suggesting some HP searches were stopped by Credit Lock, which I've been using for ages.
Now that it's switched off do those Searches need to be made again.

thanks
Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
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  • Dandytf
    Dandytf Posts: 5,073 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 11 April 2024 at 5:23PM
    was stopped by CreditLock — the lender wasn’t able to process it on your Experian Credit Report.
    Don't worry, your score hasn't been affected by this application — because your CreditLock is turned on. If it was made by you, and you'd still like to apply, simply turn off CreditLock  and contact the lender.

    I'm not sure if Contacting 'Retailer'  Is 100% required.
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • Nasqueron
    Nasqueron Posts: 11,085 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I would strongly recommend you stop wasting money on any "premium" services from Experian - the Credit Lock option seems to be on the Identity Plus account which is £10.99 a month or the Credit Expert at £14.99 a month, both of which are completely worthless - all the info they give you is free online or on here and does nothing to help you get credit. 

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • Nasqueron
    Nasqueron Posts: 11,085 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Dandytf said:
    was stopped by CreditLock — the lender wasn’t able to process it on your Experian Credit Report.
    Don't worry, your score hasn't been affected by this application — because your CreditLock is turned on. If it was made by you, and you'd still like to apply, simply turn off CreditLock  and contact the lender.

    I'm not sure if Contacting 'Retailer'  Is 100% required.
    As you should know by now, the "score" is a gimmick and completely irrelevant 

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • Dandytf
    Dandytf Posts: 5,073 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 12 April 2024 at 9:00AM
    Nasqueron said:
    Dandytf said:
    was stopped by CreditLock — the lender wasn’t able to process it on your Experian Credit Report.
    Don't worry, your score hasn't been affected by this application — because your CreditLock is turned on. If it was made by you, and you'd still like to apply, simply turn off CreditLock  and contact the lender.

    I'm not sure if Contacting 'Retailer'  Is 100% required.
    As you should know by now, the "score" is a gimmick and completely irrelevant 
    Quite possibly, it's Not my Score that's of concern today.
    Lets see what happens, at least Experian advised my unlock times were After searches were made, means new searches today are required.

    thanks mser's
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • Qyburn
    Qyburn Posts: 3,903 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Nasqueron said:
    I would strongly recommend you stop wasting money on any "premium" services from Experian - the Credit Lock option seems to be on the Identity Plus account which is £10.99 a month or the Credit Expert at £14.99 a month, both of which are completely worthless - all the info they give you is free online or on here and does nothing to help you get credit. 
    Christ, do people worried about money really pour it away like that? I'm in favour of people taking some responsibility for their affairs but ultimately it's the state/taxpayer/us who are going to end up bailing them out.
  • Dandytf
    Dandytf Posts: 5,073 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Qyburn said:
    Nasqueron said:
    I would strongly recommend you stop wasting money on any "premium" services from Experian - the Credit Lock option seems to be on the Identity Plus account which is £10.99 a month or the Credit Expert at £14.99 a month, both of which are completely worthless - all the info they give you is free online or on here and does nothing to help you get credit. 
    Christ, do people worried about money really pour it away like that? I'm in favour of people taking some responsibility for their affairs but ultimately it's the state/taxpayer/us who are going to end up bailing them out.
    Honestly what some people believe!
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • Dandytf
    Dandytf Posts: 5,073 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Some success via Experian Credit Unlock....What I fail to answer is how I managed EV 'upgrade' new finance year 2 of 4yrs existing finance.
    Particularly after record high inflation.
    I guess EQ's red marker ref total amount of Credit Agreements Isn't seriously stopping every type of application. 

    thanks

    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • Dandytf
    Dandytf Posts: 5,073 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 17 April 2024 at 5:46AM
    The very slightly drop in Score post EV upgrade Finance being offered.

    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • CliveOfIndia
    CliveOfIndia Posts: 2,711 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Dandytf said:
    The very slightly drop in Score post EV upgrade Finance being offered.

    You surely know by now, given your long tenure on this forum, that this means absolutely nothing.

  • Nasqueron
    Nasqueron Posts: 11,085 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    CliveOfIndia said:
    Dandytf said:
    The very slightly drop in Score post EV upgrade Finance being offered.

    You surely know by now, given your long tenure on this forum, that this means absolutely nothing.

    Given the immense amount of debt he's carrying, more finance on car on top of existing car finance, plus everything else, a debt that is likely 1-3x higher than his income, a score of anything other than 0 definitely means nothing!

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

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