Rqst CR freeze to CRA

Discussion in 'Credit Talk' started by Mrei, Jul 27, 2002.

  1. Mrei

    Mrei Well-Known Member

    1785.11.2. (a) A consumer may elect to place a security freeze on
    his or her credit report by making a request in writing by certified
    mail to a consumer credit reporting agency. "Security freeze" means
    a notice placed in a consumer's credit report, at the request of the
    consumer and subject to certain exceptions, that prohibits the
    consumer credit reporting agency from releasing the consumer's credit
    report or any information from it without the express authorization
    of the consumer. When a security freeze is in place, information
    from a consumer's credit report shall not be released to a third
    party without prior express authorization from the consumer.
     
  2. Mrei

    Mrei Well-Known Member

    Is that the same as Fraud alert?
     
  3. Manequinne

    Manequinne Well-Known Member

    Hi,

    I was about to ask you, would that make it inconvenient to pull your report online?
     
  4. Mrei

    Mrei Well-Known Member

    mane..
    YES!!
    You will not be able to get the report on line w/CRA, only by sending request though mail!!
    But if you buy it though a 3rd party other than EX, EP..you can still get it...
     
  5. Manequinne

    Manequinne Well-Known Member

    Oh, o.k.
     
  6. Mrei

    Mrei Well-Known Member

    Dont ask me why..
    The fraud alert seem useless
     
  7. KHM

    KHM Well-Known Member

    Mrei-
    When my husband had a fraud alert on his report and tried to apply online, the company would PULL a HARD FIRST, THEN call to make sure it was him.

    I think there should be a system in place that makes the creditor call FIRST then pull a Hard inquiry.
     
  8. Mrei

    Mrei Well-Known Member

    KHM..
    I couldnt agree with you more..
    With the fraud alert we place on our file, the CRA should "alert" us when ever our file is being pulled, we shouldnt be paying $80/year for them to do that!
     
  9. Sue59

    Sue59 Well-Known Member

    The CRA should allow you to put a pin # on the report and then you could give that to the people when you apply for credit.
     

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