^ Thumper1 you are not asked for permission unless you have a freeze or some kind of alert on your report, but now the official name is escaping me? Oh fraud alert, then maybe they call you and ask before letting a report be pulled. That is why you put the freeze on then nothing can be pulled. In our situation we aren’t planning on getting loans for anything so I froze it not to have to worry about identity theft. I’m going to research this more tomorrow and get an answer. I’d really like to go ahead and freeze the kids’ credit.