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It is mind-blowing to me how incompetent the credit agencies are. I just tried to check my credit was frozen everywhere and I couldn't log into Experian. Tried

It is mind-blowing to me how incompetent the credit agencies are. I just tried to check my credit was frozen everywhere and I couldn't log into Experian. Tried "forgot my password"... oops, "can't find your username". Tried entering my email, "please verify with your phone number"... oops, "doesn't match our records". Tried "verify another way" and it asked for my phone number and last 4 of my SSN. Hey, that worked! That should not be an option... And guess what, my account lists my username, email, and phone number exactly as I entered them. But I still can't change my password since that requires verifying my current password, which they've apparently forgotten. What an absolute joke.

SeanLuke 3y ago
You are not their customer.
dawnerd 3y ago
I'm completely blocked out of equifax ever since their hack. I've even sent them a certified letter and no response. Impossible to call them too. Just says sorry contact us... ok Been annoying when trying to have a credit check run and the place uses equifax and they deny based on frozen credit. Like ya, I know. Could be worse I suppose, could be open and unable to freeze.
- toast0 3y ago
  Try opening a new account with a different email. Worked for me when I tried after going through the process.
jimt1234 3y ago
I think it's the opposite of Hanlon's razor: Never attribute to stupidity/incompetence that which is adequately explained by malice/evil-intent.
- CatWChainsaw 3y ago
  The original Hanlon's law is an excellent argument for why Reverse Hanlon's law is more often true. For another example, see every customer service phone tree in existence. Or more broadly, any customer service, although Google gets extra side-eye.
JohnMakin 3y ago
Just wait until you have to deal with someone else's credit information showing up in your report because of vaguely-similar names. It's very difficult to deal with without paying for a proxy to deal with it for you.

SeanLuke 3y ago

You are not their customer.

dawnerd 3y ago

I'm completely blocked out of equifax ever since their hack. I've even sent them a certified letter and no response. Impossible to call them too. Just says sorry contact us... ok Been annoying when trying to have a credit check run and the place uses equifax and they deny based on frozen credit. Like ya, I know. Could be worse I suppose, could be open and unable to freeze.

toast0 3y ago
Try opening a new account with a different email. Worked for me when I tried after going through the process.

jimt1234 3y ago

I think it's the opposite of Hanlon's razor: Never attribute to stupidity/incompetence that which is adequately explained by malice/evil-intent.

CatWChainsaw 3y ago
The original Hanlon's law is an excellent argument for why Reverse Hanlon's law is more often true. For another example, see every customer service phone tree in existence. Or more broadly, any customer service, although Google gets extra side-eye.

JohnMakin 3y ago

Just wait until you have to deal with someone else's credit information showing up in your report because of vaguely-similar names. It's very difficult to deal with without paying for a proxy to deal with it for you.