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Q: What is Experian CreditLock?

Experian CreditLock is a feature of Experian IdentityWorks SM that allows you to quickly lock and unlock your Experian credit file. If someone tries to access your file when it's locked, you'll receive an attempted inquiry alert. When your Experian credit file is locked, it is NOT accessible to: Banks and lenders checking your credit file for a credit or loan application. Companies checking your credit file so you can open new utility accounts, establish phone service or rent an apartment. When your Experian credit file is locked, it is still accessible to: Potential employers or insurance companies. Companies that have an existing credit relationship with you. Collection agencies acting on behalf of companies you may owe. Personalized offers from Experian, if you choose to receive them. Companies providing pre-screened credit card offers.

What is Experian CreditLock?

Experian CreditLock is a feature of Experian IdentityWorks^SM that allows you to quickly lock and unlock your Experian credit file. If someone tries to access your file when it's locked, you'll receive an attempted inquiry alert.

When your Experian credit file is locked, it is NOT accessible to:

Banks and lenders checking your credit file for a credit or loan application.
Companies checking your credit file so you can open new utility accounts, establish phone service or rent an apartment.

When your Experian credit file is locked, it is still accessible to:

Potential employers or insurance companies.
Companies that have an existing credit relationship with you.
Collection agencies acting on behalf of companies you may owe.
Personalized offers from Experian, if you choose to receive them.
Companies providing pre-screened credit card offers.

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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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What is Experian CreditLock?

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