I'm freezing EX!

[chalupaman]

It can't be! There's now a time where CA isn't addicted to applying for more credit. I'm shocked.

[chalupaman]

It can't be! There's now a time where CA isn't addicted to applying for more credit. I'm shocked. Maybe that electric fence did get to him after all.

[Chaselover]

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@Anonymous wrote:

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@Creditaddict wrote:

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@CreditCuriousity wrote:

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@Creditaddict wrote:

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@Anonymous wrote:

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@Creditaddict wrote:

Whats kind of funny is my EX Fico is the highest of all 3!

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Amazing.  700 score with 83 inquiries.  We better make sure no new posters see this.  They'll go crazy

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it was established a long time ago once you pass what 5? inq's scoring stops calculating them but everyone seems to forget that because it's constantly beat into our head that you loose points for each INQ no matter what!

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I didnt not know this..  interesting, never heard about 5 in the last yaer rule... learn something new every day.

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it might not be 5 but pretty sure it's under 10... let me research!

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might be 12 i think..

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This is correct. I had 12 inquiries before Dec. I applied for 4 cards and increased inq to 16 and was waiting for a hit on the score, but nothing happened to the score. No idea of how it would be when the 4 accounts start reporting. 

[CreditMagic7]

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@chalupaman wrote:

It can't be! There's now a time where CA isn't addicted to applying for more credit. I'm shocked.

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Seeing is believing. Give it time. Anybody care to speculate on the duration? Freezes are easily lifted, even temp ones

[Creditaddict]

Not super easy for me for some reason... Had to send out request via mail... Went priority today so I figure tue or wed lock will be on!

[CreditMagic7]

That's right. And some states i believe even charge to lift a freeze.

[red259]

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@Creditaddict wrote:

My Experian monitoring:

Inquiries Summary

Inquiries

83

Public Record Summary

Public Records

0

Length of History

Oldest Account	16.1 year(s)
Average Account Age	5.1 year(s)

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What would happen to your credit score and profile if you just stopped applying for two straight years? 

[taxi818]

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@Creditaddict wrote:

My EX has gotten out of control so I'm going to freeze it

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I agree. After that best buy fiasco. That's it. Just did it online 10 bucks. I wonder if that will force lenders to pull ex or tu. 

[Creditaddict]

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@red259 wrote:

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@Creditaddict wrote:

My Experian monitoring:

Inquiries Summary

Inquiries

83

Public Record Summary

Public Records

0

Length of History

Oldest Account	16.1 year(s)
Average Account Age	5.1 year(s)

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What would happen to your credit score and profile if you just stopped applying for two straight years? 

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OMG 2 years!

I would guess I would get closer to 740... not sure I would go much higher because I wouldn't gain points as the INQ's came off, I would only gain points as the 30+ new accounts cleared 1 year and maybe 2 years, I don't know what the buckets are for new accounts...

I would still have baddies though so I would still be in that bucket.

I will have to take a couple INQ's for business but otherwise I really COULD not take inq's for personal for at least a year... once im over 3 years post baddies I would like an Alaska Airlines card but that is really the only card I think of quickly that i have a purpose for.

[Anonymous]

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@taxi818 wrote:

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@Creditaddict wrote:

My EX has gotten out of control so I'm going to freeze it

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I agree. After that best buy fiasco. That's it. Just did it online 10 bucks. I wonder if that will force lenders to pull ex or tu. 

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That would be unethical.