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I have all three of my credit files frozen all the time. Before I apply for a credit, I call and ask which credit bureau they use. I then go on-line and open up that particular one. Some times I just apply and they reply, we could not acess your xx credit bureau file. I go on-line, open it for a week and call and ask them to now access it. I prefer to keep it locked so that I do not have any risk of ID fraud. The hassle to open it is much less compared to the peace of mind I get from keeping it locked
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@Anonymous wrote:
I decided to apply for Discover It card for the cash back offers. I carry no monthly debt and paid all of my balance is off, I have a relatively high income to debt ratio, andI have a home mortgage, a low auto payment, and a student loan. No late payments. I opened an amazon visa through Chase in the spring and have two inquiries. Any idea why discover rejected me??
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