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发帖数: 523 | 1 一般各人的三大信用报告上hard pull的数量不尽相同, 有时某个信用报告被hard pull
的比例原大于其他两家. 如何平衡三大信用报告上的hard pull???
抽空研究了 credit security freeze 及其对平衡三大信用局hard pull数量的作用.
总结如下:
1) security freeze的含义及其作用?
通俗地讲，"secruity freeze"是你主动给你的credit report "上锁" 以对其进行保护
. 从而, 任何第三方机构（如银行: AMEX, Chase）需要得到你的授权才能"hard pull"
你的credit report.
注1: 通过第三方（如银行）的网络链接或者邀请信申请信用卡或者贷款时，第三方并
未(以默认的方式)得到你的授权，也无法hard pull被security freeze的credit
report.
注2: sercurity freeze 无法阻止你现有信用账号的提供者(your existing creditor,
如AMEX, Chase)对你credit report进行soft pull，以保证其对你的现有账号(your
existing accounts)进行正常监控.
简言之, “security freeze"使得: No hard pull without your consent, soft pull
still doesn't need your consent.
注3: 所谓"授权"，是指你给第三方机构提供一次性的密码(your temporary personal
indentification number)，使其能够短期内hard pull你的credit report.
官方解释: "Security freezes are designed to prevent a credit reporting
company from releasing your credit report without your consent." & "A
security freeze is designed to prevent credit, loans, and services from
being approved in your name without your consent" Just google "Security
Freeze - Experian"
2) security freeze对申请信用卡的促进作用?
简言之, 选择性的保护某家信用局的credit report，使其免遭hard pull; 引导第三方
hard pull其他信用局的credit report; 平衡三大信用局信用报告上的hard pull.
3) sercuity freeze对那些银行有效（信息尚不全面）?
无效：AMEX, citi
"Amex and Citi usually do not agree to pull other reports, if they want a
specific report, they want that report" Just google "Freezing your credit
report to manage credit inquiries - rapid travel chai"
有效: Chase, BOA
如果申卡时, 恰巧被hard pull被sercity freeze的credit report，你会收到一行需要
进一步处理的反馈(因为他们没有授权。另外, 也不会自动尝试hard pull其他信用局).
"When you call them, the agent will typically say something like, “We could
not access your credit report, is there a security freeze on it?”
I do not give any explanation, I just say something like, “Oh yes, my
Experian is frozen, could you pull a different report/Equifax?” No one has
ever asked me for more detail." Just google "Freezing your credit report to
manage credit inquiries - rapid travel chai"
4) security freeze是否收费, 如何启动, 如何解除?
一般freeze & remove freeze 会各有几块钱的费用. 启动及解除都可以在网上操作,
各大信用局都解释得很清楚.
5) security freeze的副作用
影响你申请新信用账号的速度. ”However, you should be aware that using a
security freeze to take control over who is allowed access to the personal
and financial information in your file may delay, interfere with or prohibit
the timely approval of any subsequent request or application you make
regarding a new credit, load...."
6) 相关链接
http://www.experian.com/consumer/security_freeze.html
https://www.experian.com/freeze/center.html
http://www.equifax.com/answers/help/security-freeze/en_cp
http://www.transunion.com/personal-credit/credit-disputes/credi
http://boardingarea.com/blogs/rapidtravelchai/2012/12/13/freezi | e********e
发帖数: 181 | 2 Thanks for the detailed information. |
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