credit report protection
credit report protection
What is a credit protection statement on a credit report?
I tried to get a increase on one of my credit cards today and was told by the rep. that she could’nt because I had a credit protection statement on the account through Experian. Not a fraud alert, she says they are different.
Anyone know what this is, and why I could’nt get the increase?
I tried to call Experian, but I can’t get a live person. Arrrg!
I don’t think that CSR knew what she was talking about.
There is fraud alerts and there is freezing a credit report but there is no such thing as a “credit protection statement”
Even if you had a fraud alert or had frozen your credit report, a company that you have an existing account with can still pull your reports.
You might call back and speak to a different CSR.
When asking for an increase, you should ask about a “guideline” credit limit increase with no hard pull
