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I did this about 8 years ago, and have only needed to temporally unfreeze it 3 times. Besides the big 3, I also froze reporting from Innovis. The only unforese
by bitbang 9y ago
I did this about 8 years ago, and have only needed to temporally unfreeze it 3 times. Besides the big 3, I also froze reporting from Innovis.
The only unforeseen hangup from frozen credit reporting I've run into is with car rentals. With a few exceptions, most car rental companies (at least in the US) run your credit. Everything else was pretty predictable.
- jonahx 9y agoCan you call and it get it unfrozen immediately if it needs to be run?
- khalilravanna 9y agoTo unfreeze it entirely it looks like it can take no longer than 3 days. Unfreezing it for specific parties it sounds like is less money and perhaps takes less time but that will depend on the company. Source: https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs https://www.consumer.ftc.gov/articles/0497-credit-freeze-faq...
- bitbang 9y agoLaw limits it to no more than three days. My experience has been that it mostly takes place within 12-24 hours.
- iiiggglll 9y ago> Besides the big 3, I also froze reporting from Innovis. Why Innovis? Who typically uses their reports?
- bitbang 9y agoSame people that pull from the other 3. It's not as commonly used, though its usage is trending upwards from what I understand.
- pbhjpbhj 9y agoDo they refuse you rental? Here in UK they verify address via utility bills, cross-check with drivers license (verified by gov agency, DVLA). They maybe only take card payments too, no cash? I'd expect that to be enough, given they force you to take out expensive insurance, that must cover them, surely. What's the credit report going to get them at that point? (It may be even stricter now, don't know.)
- bitbang 9y agoI just changed to one of the rental companies that doesn't require pulling credit.