Why YSK: Locking your credit with the main 3 places is not enough.
https://innovis.com/ have grown enough to require locking as providers are using them as a single check source.
There’s also https://www.chexsystems.com/ which many banks use for opening checking accounts. They’re unique because they handle accounts that don’t show up in a credit report.
Fun fact: you can’t lock your credit through Innovis if the name on your phone number isn’t the same as your real name (for instance, I’m on my mother’s phone plan - I still have my own number, but I guess it’s under her name). I ran into this issue literally four days ago :/
Is this because you need to provide a bill? Or just like the caller id?
Because if it’s the caller id, you can have that set on a per line basis. Worked for a cellular company. Super normal.
I think it’s the caller ID. Should be easy, just have to get my mom to set it first.
I’ve been under my parents plan my entire life and I was able to lock my credit with Innovis. Granted, this was right after the Equifax breach. I’ve actually never had to unlock it.
This wasn’t true for us (2 days ago). You can lock, but you have to request a credit report by mail with that issue. (Family member in this exact situation).
Interesting, I guess I’ll have to try again. It kept telling me that there was an error processing when I tried locking it.