If the member would like to apply for credit, he can unlock his Experian credit report via the web or the Experian CreditWorks app. If the account is locked and someone tries to access it, the member will receive a real-time alert via email and app push notification. When a member's report is locked, CreditLock prevents a lender from accessing his Experian credit report. The CreditLock feature allows CreditWorks members to lock and unlock their Experian credit reports in real time. It costs $4.99 for your first month of access, then $24.99 a month.
UNLOCKING EXPERIAN CREDIT FREEZE FREE
With TrueIdentity, consumers also get access to their TransUnion credit report and receive free monitoring alerts, among other services.Įxperian offers a product called CreditLock through CreditWorks, a subscription service. "Locking their TransUnion credit report gives the consumer online, real-time control over whether a lender can get their credit report to open a new account, and there is no fee for this service," says David Blumberg, a TransUnion spokesman. To have access, consumers first have to enroll in the company's TrueIdentity service. TransUnion's mobile app allows consumers to lock and unlock their TransUnion credit report straight from their smartphone as often as needed for no charge. This method costs more than a regular credit freeze but gives you the flexibility you need when seeking a loan. To avoid this, consumers could instead use new digital tools from the three credit bureaus to lock and unlock their credit whenever they want.
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