My credit has been frozen for the last 20 years and I unfreeze when necessary. I am being told that I need to unfreeze my credit in order to receive these funds. Why would my credit need to be unfrozen to receive funds from someone's pension?

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    "My credit has been frozen for the last 20 years and I unfreeze when necessary." - Wow, learn something new every day! usa.gov/credit-freeze
    – MonkeyZeus
    Apr 1 at 18:16
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    can you include more details in your question? It is impossible to give a good answer with so little information. Which pension from whom? How were you notified of this "necessity"? Give us some more context to work with.
    – Tom
    Apr 2 at 11:53
  • Can you say what's meant by both 'inbound gifted monies' and 'a credit unlock', please? Can you say what 'My credit has been frozen… I unfreeze when necessary' means? Does 'inbound gifted monies' mean gifted to, rather than by you? Doesn't a 'credit unlock' suggest getting your bank to raise your lending limit? Does 'My credit has been frozen… I unfreeze when necessary' not mean broadly the same? Isn't credit being frozen for 20 years and unfrozen 'when necessary' a contradiction? Isn't the reality, your credit has been frozen since shortly after the last time you unfroze it? Apr 4 at 19:26
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    @RobbieGoodwin: websearch "credit freeze". It is possible to lock down your accounts at the credit rating agencies so "hard pulls" will be refused. This prevents new credit accounts from being opened, since the lenders won't issue accounts without those details, and helps protect against identity theft. There are ways to do a short-term or selective unlock when you actually want someone to be able to see that data. Minor inconvenience in exchange for better security. Has nothing to do with activity on established accounts, though some banks offer locking tools for those too.
    – keshlam
    Apr 11 at 13:48

3 Answers 3


It wouldn't. This sounds like a scam. Especially since you haven't explained why anyone else's pension would be sending money to you.


While I agree that this sounds like a scam, and should be handled with great caution (and liberally consulting your bank authorities), it is faintly possible that your own bank will tell you that unusual steps need to be taken to authorize the deposit of certain types of financial instruments, for example depositing a third-party or international check.

But again, a great deal depends on the source of the funds. If it is a disbursement from your grandfather's estate I'd be more trusting than if you are being told it's a disbursement from the estate of a distant relative you've never met, or from some stranger whose name could have been easily culled from obituary listings -- these are classic scams.

(Source: I was refused permission to deposit an international check from my father into my partner's bank account without partner's signature.)

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    +1, Contacting own bank for advice over a trusted channel (such as contact information on their website) is a good idea if there any reason to assume the request could be legitimate.
    – jpa
    Apr 3 at 9:59

Its a scam 100%. Don't unfreeze your credit for this one

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    This is more a Comment than an Answer, given previous Answers.
    – keshlam
    Apr 4 at 15:33

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