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Showing results for tags 'Security Freeze'.
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I have applied for an apartment, and as usual they look up my credit history. When they look it up, they find a security freeze on my account. I call up Equifax, Experian, etc. They all tell me I do not have a security freeze on my account. The apartment comes back with more information saying that it is some sort of "state legislation" freeze. From what I have read, it is not possible for anyone besides myself to request that freeze. They use RealPage as their third party to run my report. Has anyone else ever experienced this? Have any tips for me to try and resolve this?
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I currently have a security freeze on Experian. If I call two of my CC issuers (both of whom seem to favor Experian) for CLIs, can they still do a hard pull on my Experian file? There seems to be a vague exception for existing creditors being able to access your credit file, even with a freeze in place. Is this just for soft inquiries? That's how I read between the lines from Experian's web site, but I want to be sure. . I really don't want to take two hards on Experian for two cards I almost never use. I don't care however, if the CLI requests end up costing me a couple of hards on either of the other bureaus (or one of each, for that matter). From http://www.experian.com/consumer/security_freeze.html: A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.
