Originally Posted by
jetsetter
2. If asked, what reason should you give the reconsideration agent as to why your Experian report is frozen?
3. Is the process instant to both freeze and unfreeze the Experian report?
I froze my credit reports after the Anthem breach a while back. If you feel the need to tell them why your credit is frozen, a possible answer would be to say it is because of recent credit breaches. However, I doubt they would ask you why it is frozen.
I am interested in knowing the answer to #3 as well. I had read in an article that credit freezes can be thawed in 15 minutes online. But it didn't say what credit agency or anything helpful like that. Experian does let you pick today's date when thawing a credit report. But I don't know how fast it goes live.
Edited to add: I did a Google search, and the Experian website is vague as well. It says depending on your state, your credit can be thawed in a matter of minutes. But it could take as long as 3 days.
https://www.experian.com/blogs/ask-e...credit-report/
This article from the NC Attorney General says that credit reports are usually thawed in 15 minutes.
http://www.ncdoj.gov/getdoc/c0602cd1...ty-Freeze.aspx