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Another sweet ddeal for Experian

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Another sweet ddeal for Experian

Old 01-16-2014, 02:13 PM
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Default Another sweet ddeal for Experian

Today, I tried to sign up for an on-line account with Social Security. FWIW, both the wife and I already receive SS benefits.

SS web site kept refusing to create an account with no explanation of the problem, so I called the SS 1-800 number. The lady at the other end said that their system had accepted all my information, but ran into a problem when they ran a credit check with Experian. Not surprising, as our credit reports are frozen by our choice at all three credit reporting firms.

Now, why SS would need to run a credit report before granting an on-line account to someone already being paid SS benefits is beyond me, but Experian is making money on this deal! You see, they charge you $10 to unfreeze your credit reports long enough to create a SS account, then probably charge SS a fee for getting the report.

I wonder how Experian got the SS franchise?
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Old 01-16-2014, 02:54 PM
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Cards run credit checks regularly (or at least Lowes and HD do). Unless you don't use credit cards, what's the reasoning behind freezing reports?
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Old 01-16-2014, 03:06 PM
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Originally Posted by yarcraft91 View Post
Today, I tried to sign up for an on-line account with Social Security. FWIW, both the wife and I already receive SS benefits.

SS web site kept refusing to create an account with no explanation of the problem, so I called the SS 1-800 number. The lady at the other end said that their system had accepted all my information, but ran into a problem when they ran a credit check with Experian. Not surprising, as our credit reports are frozen by our choice at all three credit reporting firms.

Now, why SS would need to run a credit report before granting an on-line account to someone already being paid SS benefits is beyond me, but Experian is making money on this deal! You see, they charge you $10 to unfreeze your credit reports long enough to create a SS account, then probably charge SS a fee for getting the report.

I wonder how Experian got the SS franchise?
Why would your credit report have anything to do with you receiving your ss benefits? I don't doubt it , just have no idea why money you've worked for woud have anything to do with credit agencies.
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Old 01-16-2014, 03:23 PM
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Originally Posted by Superfishalpalmbeach View Post
Why would your credit report have anything to do with you receiving your ss benefits? I don't doubt it , just have no idea why money you've worked for woud have anything to do with credit agencies.
That's a fine question. Since I am already receiving benefits, I really don't see the point of a credit check.
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Old 01-16-2014, 03:25 PM
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Originally Posted by bamaboy473 View Post
Cards run credit checks regularly (or at least Lowes and HD do). Unless you don't use credit cards, what's the reasoning behind freezing reports?
Nobody can run a credit check if your reports are frozen. Cuts down on the unsolicited credit card offers in the mail, for one thing.
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Old 01-16-2014, 03:26 PM
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Assuming that you use credit cards, what does a CC company say or do when they can't run a periodic report on you?
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Old 01-16-2014, 03:27 PM
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They are only charging you cause you froze your credit score. You did it not them. So what exactly are they doing wrong?
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Old 01-16-2014, 04:39 PM
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It may be to check for things like unpaid child support or something like that.
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Old 01-16-2014, 04:53 PM
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You can successfully opt out of the credit card marketing by mailing in (snail mail) a form letter available from each of the 3 agencies. No need to freeze your credit unless you are a id theft victim.

The letters work. I haven't received an offer for years.
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Old 01-17-2014, 09:01 AM
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This is special. After my on-line request to have my credit report temporarily unfrozen, Experian immediately billed my credit card $10, but 20 hours later they have not unlocked my credit report. As far as I can tell, my state has no mandated waiting period before the account can be unlocked.

Try reaching a human being at Experian to get some help.
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