Tag Archives: Equifax

How to Temporarily Lift Credit Freezes for Credit Limit Increase & Mini App-O-Rama

Good afternoon everyone.  A few months ago, I wrote I Just Froze My 3 Credit Reports: Here’s Why & What I Learned.  In that post, I shared my experience placing a credit freeze on my Equifax, Experian, and TransUnion credit reports.  In today’s post, I will share my experience of temporarily lifting my credit freeze on my Equifax, Experian, and TransUnion credit reports.  Long story short, I requested a credit limit increase on one of my US Bank credit cards and got a letter in the mail stating that since my credit reports were frozen, US Bank could not process a credit limit increase.

I called US Bank and asked them which credit bureau they were trying to pull, so that I could unfreeze just that 1 credit report.  The rep said that the credit bureau that US Bank will use depends on your state and she suggested unfreezing all 3 credit reports to be safe.  I told her I would unfreeze all 3 credit reports right now and asked her to reprocess the credit limit increase request.  She said that the credit analysts would process the request in the next 3-4 business days.

I decided to temporarily lift my credit freezes for the next 7 days.  A few hours later, I received emails from Credit Karma and a few other credit monitoring service alerting me that US Bank had pulled my credit report.  Since I still had my credit reports unfrozen for 6 more days, I decided that it was time to do a mini App-O-Rama (where I apply for a few credit cards on the same day).  I will get into the details of my mini App-O-Rama in a future post, but let me show you how to temporarily lift your credit freeze with Equifax, Experian, and TransUnion.

Temporarily Lift or Permanently Remove Credit Freeze from Equifax

For Equifax, start here, then click the red Log In button, and then click the Freeze & Fraud Alerts link.

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I Just Froze My 3 Credit Reports: Here’s Why & What I Learned

Good morning everyone.  Yesterday, I read this article from Krebs on Security regarding the recent Starwood / Marriott data breach.  In the article, there was a very powerful section that talked about 2 realities that all Americans need to come to grips with in regards to privacy, data security, and our powerlessness when it comes to securing our data.  Here are the 2 realities from the article:

Reality #1: Bad guys already have access to personal data points that you may believe should be secret but which nevertheless aren’t, including your credit card information, Social Security number, mother’s maiden name, date of birth, address, previous addresses, phone number, and yes — even your credit file.

Reality #2: Any data point you share with a company will in all likelihood eventually be hacked, lost, leaked, stolen or sold — usually through no fault of your own. And if you’re an American, it means (at least for the time being) your recourse to do anything about that when it does happen is limited or nil.

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Sunday Read: New York Times and the Equifax Security Breach

Many of us have been amazed at how badly Equifax handled the security breach. Do you know that Equifax made more than $1 million dollars in political donations last year to “prevent” tighter regulations on data security? They are located in Georgia, where the state law does not specify how soon a company must notify the consumers in case of a security breach. One question that keeps getting asked is, “Why can Equifax be so irresponsible?” This New York Times article, if you haven’t already seen it, gives us the best answer I’ve seen. It’s because Equifax considers that we consumers are their products, not customers.