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You can get a free annual report even if you have frozen your credit file

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Topics addressed on September 16, 2009:

You can get a free annual report even if you have frozen your credit file

Dear Experian,

Does putting a security freeze on my file prevent me from getting my free annual credit report?

- CPI

Dear CPI,

You can still get your free annual credit report if you have frozen your credit file.

The system for requesting your personal report has been designed to recognize when you are requesting your personal report so that the transaction can be completed. The same is true of credit monitoring services to which you might subscribe.

The file freezing regulations included an exception so that you could continue to access your credit report through services that provide personal access to it. There are also exceptions for allowing your existing creditors to monitor your credit.

Thanks for asking.

- The ”Ask Experian“ team

Credit Reporting

Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
Credit Scores

What are credit scores, and how are they calculated? Get the answers to your credit score questions.
Preventing Fraud

Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
Life Events and Credit

Find out how life events affect your credit and how to build good credit for the major purchases in your life.
Credit Advice

Ask Experian

Get credit information on the hottest topics from Experian’s team.
Preapproved Credit Offers

What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
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  Preapproved Offers
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