No more Credit for a year

[Creditaddict]

My car refi didn't go through with my CU, that was the last thing I was trying to do.... so now all 3 reports are frozen... Hopefully the next time I release them, they have no inq!

[mross1080]

You can do it!

[Anonymous]

We'll see....

[daisyduke]

sorry to hear about the refi. being frozen does make it a lil more difficult to apply for credit!! I have to pay a lil more than 10 bucks to unfreeze every time.

[Anonymous]

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@Anonymous wrote:

We'll see....

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lol I feel u creditaddict. I have all the credit i need for now next time i apply for something i would like to be inquiry free.

[Anonymous]

This board needs a bookie section .

[Anonymous]

If you freeze your CR, does that stop people from being able to pull it?  Or are your current TL able to keep pulling it?

[daisyduke]

deuce, being frozen means that credit can't pull it - but I was recently frozen and applied for membership to a cu which was a soft pull, even though i was frozen.

[Anonymous]

So a freeze stops hard pulls, but allows soft pulls?

[Anonymous]

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@Creditaddict wrote:

My car refi didn't go through with my CU, that was the last thing I was trying to do.... so now all 3 reports are frozen... Hopefully the next time I release them, they have no inq!

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I hope you can do it.

But were I a betting fellow, I'd say you'll see 0 INQs on your credit report when Hell freezes over.