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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?
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? ;?
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.
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.
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.
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?
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?
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.
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.
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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