Credit freeze

singhini

Emmia said:

Your post gave the impression (or at least that's how I read it)  that freezing on Experian would give the OP what they wanted - but that's not actually the case as there are multiple referencing agencies (I'm not sure if people are necessarily aware of that)
I don't know why the OP wants to freeze - financial abuse fears, gambling/shopping addiction. Reduce risk of fraud? As sourcrates points out really only trashing your rating will have a "freezing effect" in that no one will give you credit. But given the implications I'm not sure this is advisable.

I didn't get that impression, which is why i asked about Equifax/ClearScore and TransUnion/CreditKarma in my previous post. 

Emmia

singhini said:

Emmia said:

Your post gave the impression (or at least that's how I read it)  that freezing on Experian would give the OP what they wanted - but that's not actually the case as there are multiple referencing agencies (I'm not sure if people are necessarily aware of that)
I don't know why the OP wants to freeze - financial abuse fears, gambling/shopping addiction. Reduce risk of fraud? As sourcrates points out really only trashing your rating will have a "freezing effect" in that no one will give you credit. But given the implications I'm not sure this is advisable.

I didn't get that impression, which is why i asked about Equifax/ClearScore and TransUnion/CreditKarma in my previous post. 

But you're not the OP.



Or are you?

marcia_

 If it is to reduce fraud risk you can put a password on your credit file with each company. The credit provider will ask the applicant the password which protects you as fraudsters wont know it 

singhini

Emmia said:

singhini said:

Emmia said:

Your post gave the impression (or at least that's how I read it)  that freezing on Experian would give the OP what they wanted - but that's not actually the case as there are multiple referencing agencies (I'm not sure if people are necessarily aware of that)
I don't know why the OP wants to freeze - financial abuse fears, gambling/shopping addiction. Reduce risk of fraud? As sourcrates points out really only trashing your rating will have a "freezing effect" in that no one will give you credit. But given the implications I'm not sure this is advisable.

I didn't get that impression, which is why i asked about Equifax/ClearScore and TransUnion/CreditKarma in my previous post. 

But you're not the OP.



Or are you?

No im not the OP.
I'm responding to the part of your post where you said (I'm not sure if people are necessarily aware of that)

Emmia

This is clearly another of those threads abandoned quickly by the OP.