The Master Triple Puller Tri-Merge Services’ Freeze Quirks Thread

[BobWang]

ALL 3 CRAs have to be freeze-free in order to sign up for the first time.

AFTER signing up:

 

Experian-based services like USAA-CCMP can still pull through ALL freezes.

TransUnion-based services like MPM will pull frozen TU, but will fail on Equifax & Experian.

Equifax-based services like Equifax Complete I have no first-hand experience.

[GamingG]

 

Thanks, Bob. How have things been?

[BobWang]

 

Thanks, Bob. How have things been?

Doing well, how about yourself?

 

And thanks for giving me an excuse to start another Master Thread.

[BobWang]

If one freezes their credit from the 3 bureaus how does that effect credit monitoring and pulling your own reports? The reason that I ask is about 10 days ago i received an alert from Credit Secure that there was a pull done on EQ. I checked the alert and apparently Webbank Bill Me Later pulled. The thing is I never applied for anything and it was PayPal apparently that said I requested it (haven't used PP in almost a year). After filing a dispute online that it was fraudulent it came back that it was valid. After calling Equifax directly they claimed that it was out of their hands and I had to deal with the creditor directly. I called up Web Bank and they opened an investigation and said in 7-10 days it should be cleared. The rep suggested that I file a police report (maybe overkill since nothing was opened) but at the least to put a freeze on my credit.

 

I hadnt planned on applying for anything outside of maybe 1 CC in December. But I do like using Credit Secure. Would having a freeze impact the ability to accurately pull my own reports and check for variances in my scores?

C$ is like USAA-CCMP

[BobWang]

^

[lynson]

Sorry, I must have missed this the first time around (and got caught not searching). Thanks Bob. Good to know that CS and/or USAA will still work. I was hoping to cancel a few.

[BobWang]

^

[BobWang]

Credit Sesame is unlike CCT, C$ and USAA-CCMP in that CS can't pull through an Experian freeze after signing up successfully.

[BobWang]

Quizzle, another Experian service, also fails to do follow-up pulls through a freeze.

[BobWang]

^

[road2freedom]

Hah, I should have known there was a master thread. Now we just need a master of master thread since the search function here leaves a bit to be desired.

[brainchasm]

Quizzle, another Experian service, also fails to do follow-up pulls through a freeze.

Also, once Quizzle thinks your EX is frozen, even if you unfreeze, it won't try until you call and (after sitting on hold forever) have them manually flip a switch that will clear your frozen flag.

[foeplay]

[TXDatN]

Credit Sesame is unlike CCT, C$ and USAA-CCMP in that CS can't pull through an Experian freeze after signing up successfully.

 

Now I know why CS didnt update for me this month. At least PSECU will pull through an EX freeze still.

[BobWang]

Credit Sesame is unlike CCT, C$ and USAA-CCMP in that CS can't pull through an Experian freeze after signing up successfully.

 

Now I know why CS didnt update for me this month. At least PSECU will pull through an EX freeze still.

Hmm, CS DID update for me through my frozen Experian.

 

But I'd specifically asked Tony if he could make it happen.

[BobWang]

^

[BobWang]

Interesting question of whether Equifax Complete can pull through an Equifax freeze.

 

Anyone know?

[BobWang]

^

[BobWang]

^

[TheMule]

I froze EQ this AM, then signed up for EQ Complete this PM - EQ info was pulled. This will be a daily puller, so if anything changes I'll report back.

[TheMule]

Still pulling through my EQ freeze. Will report back if anything changes.

[BobWang]

Still pulling through my EQ freeze. Will report back if anything changes.

Thanks, TM!

[BobWang]

ALL 3 CRAs have to be freeze-free in order to sign up for the first time.

AFTER signing up:

 

Equifax-based services like Equifax Complete can pull through an Equifax freeze.

Experian-based services like USAA-CCMP & C$ can still pull through ALL freezes.

TransUnion-based services like MPM & NCIDP will pull frozen TU, but will fail on frozen Equifax & Experian.

[BobWang]

^

[BobWang]

ALL 3 CRAs have to be freeze-free in order to sign up for the first time.

AFTER signing up:

Equifax-based services like Equifax Complete can pull through an Equifax freeze.
Experian-based services like USAA-CCMP & C$ can still pull through ALL freezes.
TransUnion-based services like MPM & NCIDP will pull frozen TU, but will fail on frozen Equifax & Experian.