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Freezing reports.

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alessandrom
Regular Contributor

Freezing reports.

Hello everyone, I have a simple question and sorry if it was asked before. I currently froze all my reports since im not applying for anything until i apply for a mortgage in two years, when all my inquiries fall off. I was wondering if my current creditors will still be able to Auto increase my limit or will i have to remove the freeze in order for them to do this. Thanks for any suggestions and input you may have.




Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750
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newportguy
Frequent Contributor

Re: Freezing reports.


@alessandrom wrote:

Hello everyone, I have a simple question and sorry if it was asked before. I currently froze all my reports since im not applying for anything until i apply for a mortgage in two years, when all my inquiries fall off. I was wondering if my current creditors will still be able to Auto increase my limit or will i have to remove the freeze in order for them to do this. Thanks for any suggestions and input you may have.


Your creditors will only be able to SP your reports , So yes they can give you auto increase with a freeze in place !!!  No one can HP your reports with a freeze in place


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
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