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Can information be added to my Experian credit file when it’s locked?

When your file is locked, new accounts may still be reported to Experian and added to your credit file if:

A creditor opens an account using a file from one of the other major credit bureaus where you haven't locked your file or applied a security freeze.
You unlock your Experian credit file before applying for credit, granting access to a potential lender or creditor.

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Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions.

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