ID Theft
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!
Public Comments
- 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
- Credit protection statement is the same as fraud alert. Fraud alert has many aliases: victim's statement, fraud alert statement, consumer statement. I suggest you to check credit report immediately.
