Template for Card Recommendation Requests Official User Flairs Thread - Learn how to customize your user flairĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service.I'm 18 and don't have a credit card or any of that just yet, so I have no idea what to do. I'd rather not have the credit freeze with TransUnion if I am not able to lift it. I was asked for a pin, but I didn't have one because, again, my account isn't made so now I have to wait since I'm redirected to an agent. Right now, I'm currently waiting to get in contact with another agent to unfreeze my credit, but if they need my bank statement, I won't be able to provide it because my bank account is currently shut down. It sounded like she was giving me steps on how I would unfreeze my credit by mail but I'm not sure. She told me she would put that in the system and then proceeded to tell me other things that I couldn't pick up over the phone. It seemed she couldn't do anything but she asked what I needed and I said I needed a credit freeze. I called the phone number they provided and I got in touch with an agent. But I attempted to make an account with TransUnion today and I was unable to make the account because of an identity verification issue. I didn't try with the other credit bureaus because it was a pain to make the accounts. A month ago I placed a credit freeze with Experian because of a SMS phishing attack where I gave away my bank information, SSN, and driver's license information. My account was also shut down, removing all of my bank statements. Naturally, I called my bank to dispute those charges and to get my card replaced. Hi Redditors! I could really use some advice right now.Įarlier today I found that I had some suspicious charges on my debit card. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.Įnjoy the Wiki? Join the community in our main reddit! They are required to keep records that allow them to list that negative information on your report.
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