www.experian.com/tempfreezeremoval – Remove an Experian Security Freeze

Experian Temporary Freeze Removal

  • Those who froze a Experian account can remove the freeze online
  • Experian.com/TempFreezeRemoval is managed by Experian All rights reserved
  • Account holders can enter the date they would like the removal to take place

Experian account holder who previously requested that a security freeze be placed on their personal credit report have the option to have the freeze temporarily or permanently removed.  The freeze will have to be removed in order for the user to apply for credit (i.e. home loan, credit card) or for any transaction that requires that another party access their personal credit report.

In order to remove the freeze the Experian account holder will have to provide their name, address, SSN, date of birth, and email address.  The account holder will be asked if they remember their personal identification number (PIN) and if they want to remove the freeze temporarily or permanently.

www.Experian.com/TempFreezeRemoval Highlights

  • The removal can be permanent or temporary
  • In order to remove the Experian freeze (either permanently or temporarily) will have to agree to the terms and conditions, and certify that they removing a security freeze from their own personal credit report
  • The removal process should take less than 3 minutes
  • This free removal service will not remove any freezes associated with a Transition or Equifax account
  • Customers who have any questions about the process can dial a Experian customer service agent at 1 (877) 284-7942

Customers who only want to temporarily remove the freeze will be asked to provide a date that they would like to add the security freeze back to their credit report so that it is no longer accessible by third parties (i.e. creditors, banks).

Experian PLC is a Dublin, Republic of Ireland based consumer credit reporting agency.  Experian services 235 million individual US consumers and more than 25 million US businesses.

References

  1. www.experian.com/tempfreezeremoval

www.smartcreditmatters.com – Get My Credit Score Online

Smart Credit Matters

  • The Smart Credit Matters web site is to be an “all in one” financial guide for getting a credit score, finding the best credit card, buying a home or car, investing and saving for retirement and more
  • With Smart Credit Matters, customers can learn what exactly makes up a credit score
  • Smart Credit Matters even has a quiz to test customers’ knowledge of what it really takes to build good credit.
Smart Credit Matters is an educational web site for consumers to learn about having a good credit score and making good financial decisions. It’s important to have good credit, and customers who use Smart Credit Matters can end up saving money when they buy their next car, getting a better apartment, saving thousands of dollars on a home loan, saving money on utility deposits, and even getting a better job. Smart Credit Matters tries to educate customers about common credit myths like “a credit score will drop if a customer checks their credit” (a credit score doesn’t get lowered by just checking it), and “once a negative record is paid off, it will be removed from the credit report (negative records like late payments remain on a credit report for 7 to 10 years after they are first posted). What makes up a credit score according to Smart Credit Matters?… Smart Credit Matters shows customers that a credit score is made up of 35% payment history, 30% total amount owed, 15% type of credit, 10% new loans, and 10% length of credit history. To contact a representative about credit fraud: The Smart Credit Matters page has a list of numbers to contact for potential fraud, like the Equifax fraud department at: 1.888.397.3742… Primary References: smartcreditmatters.com

www.freeannualreport.com – Get Free Credit Score Online From All 3 Bureaus

Free Annual Report

  • The Free Annual Report web site gives customers the chance to get their credit report from one of the three major agencies (EquiFax, Experian, and TransUnion) completely free, with no hidden fees to pay
  • Premium service (just under $40 a month) comes with $1 million identity theft insurance plus daily credit monitoring
  • Checking credit with Free Annual Report helps make sure that customer get the lowest interest rates on automobile loans, mortgages, and credit cards

The Free Annual Report web site offers premium “Plus Access” to dedicated credit specialists that can provide financial guidance and support. A free 7 day trial of Plus Access is available, with a monthly membership of $39.95 charged automatically if customers choose to remain members of the service.

Free Annual Report Comments

  • Credit reports from Free Annual Report are provided instantly, but these reports do not come with actual credit scores
  • Credit scores from Free Annual Report are a part of Score Sense premium service
  • To cancel a subscription to Free Annual Report services, customers can write to 4447 North Central Expressway, Suite 110 PMB 406, Dallas, TX 75205
  • Great credit score are considered 780 or higher
  • The users can reach out to US Based credit specialists to help decipher a credit score and report
  • Checking a credit score will NOT hurt a credit score regardless of what one might read via online forums

How often can people use the Free Annual Report web site?

Customers can request a free credit report from “Free Annual Report” once every 12 months from each agency, meaning that if a customer spreads their requests out over one agency every 4 months, they can get a free credit report 3 times a year (while requesting one time a year from each agency).

  • Checking a credit score with Free Annual Report will not lower a customer’s credit score
  • To contact a representative of Free Annual Report.com 1-800-972-7204

Primary References

  1. www.freeannualreport.com

www.experian.com/viewreport – Access A Credit Report Online

Experian View Report

  • With Experian credit reports, customers can either view a credit report they have already claimed, or claim a brand new one
  • To see a recent previous credit report from Experian, customers just need to enter the 10 digit report number that can be found on the credit they already have. To claim a new credit report from Experian, customers just need to enter their personal information
  • Viewing a past Experian credit report can be beneficial for customers who want to see when items on their credit report were added

With the “View A Credit Report” section on the Experian web site, users can see a previous credit report as long as they have their 10 digit number. Viewing a prior credit report from Experian does not have any effect on new credit reports.

Experian View Report Comments

  • Customers who want to file a dispute for their Experian credit report will need to visit a different portion of the Experian web site depending on whether or not they know their Social Security number
  • Even if people don’t have a Social Security number or don’t know theirs, they can still file an Experian dispute
  • Customers can use their report number in order to access a credit score

More Things To Know About Experian View Reports

  • At present, Experian employs about 17,000 people and has their US operations in Costa Mesa, California
  • In 2012, Experian launched a program called Values, Money and Me that is designed to help educate elementary school students about properly budgeting money, plus other financial education aspects

Experian began in 1996, and actually has operations in 40 nations across the world. Experian started when the GUS retail corporation in Europe decided to hire a computer programmer to create a central credit database of their customers. Their current headquarters are located in Dublin, Ireland and their current CEO is Brian Cassin.

To contact Experian about a credit report

  • Write to the Experian headquarters at PO Box 740241, Atlanta, GA 30374
  • 1 (888) 397-3742

Primary References

  1. www.experian.com/viewreport