Starting Score: 622 (February 2012)
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
justvisiting1 wrote:Thanks for the info...
Went to Transunion first. Believe it's called a security freeze (what everyone is doing here). For Texas, it costs $10 to put on and $10 to take off. That sucks.
Well, that's kinda the whole point isn't it? 
If someone is trying to restrain their app urge, maybe the thought of giving ten bucks to a credit bureau will slow them down a bit.
In many states the fee is waived if you have a documented case of CC fraud or attempted fraud, ID theft, etc.
I froze mine after my app spree in late december and Jan. I spent $20 last month to unlock TU and EQ. I ended up with only 1 CLI but 3 more new accounts 
I will be unlocking them probably in the next 30-60 to confirm that I really did get the baddies off my reports, but I'm worried about leaving them open if baddies gone for old collections popping up or something, we shall see.
MarineVietVet wrote:Why not save your money and just not apply for credit?
It's not that hard to resist. You just don't apply.
LOL, You Silly!!!
As I like to say, lets handle one thing at a time, and telling someone like me not to apply is like telling an alcoholic "Just don't drink!" Which was also me, but I'm 25 days Sober, Ill get to the not applying in a month or two!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
