experian.com

4.2
4.2 Based on 182 reviews

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Primrose A.
Credit lock is effective but has drawbacks.

The credit lock functions well. However, I find it frustrating that whenever my partner's credit usage increases, I lose points on my credit score, while he remains unaffected. This seems strange to me. It raises doubts about the necessity of credit reporting agencies, as their reporting can be inaccurate. They have yet to clarify their rationale for this puzzling practice.

5
Date of experience: Jan 03, 2026

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