I've recently put all 3 CRs in freezer. It's given me a lot of peace.
Also, with a sad AAoA to begin with, I'm hoping that in a year the TLs will look nice and full-grown.
I have a decent set of cards now, and can't think of any other card that I really need to add 
@Ghoshida wrote:
@lg8302ch wrote:I should probably do the same but since I did not yet get my first denial I am going to try for two more cards next week and should I get my first denial then know for sure I have reached my limit with new accounts ..lol.. Still not sure if freezing is a good idea as I would hate not beeing able to access the free services like CK, Quizzle, CS, credit.com, etc.. so still debating if freezing my reports or not.
I had created my CK and CS account before freezing the reports. I still get updates from both accounts. I'll update if something changes.
The credit tracker from Cap One also mentions that there is a freeze in place, and still there is a permissible purpose: I'm checking my own report, so they can access it.
I'm not sure if you could start a new monitoring service once the freeze is in place. You can still access free reports from annualcreditreport.com or ask the CRAs for free report upon adverse action / denial of credit.
Thanks a lot. That is good to know. So no reason (or excuse) not to freeze my reports when I am done with apping
@lg8302ch wrote:
@Ghoshida wrote:
@lg8302ch wrote:I should probably do the same but since I did not yet get my first denial I am going to try for two more cards next week and should I get my first denial then know for sure I have reached my limit with new accounts ..lol.. Still not sure if freezing is a good idea as I would hate not beeing able to access the free services like CK, Quizzle, CS, credit.com, etc.. so still debating if freezing my reports or not.
I had created my CK and CS account before freezing the reports. I still get updates from both accounts. I'll update if something changes.
The credit tracker from Cap One also mentions that there is a freeze in place, and still there is a permissible purpose: I'm checking my own report, so they can access it.
I'm not sure if you could start a new monitoring service once the freeze is in place. You can still access free reports from annualcreditreport.com or ask the CRAs for free report upon adverse action / denial of credit.
Thanks a lot. That is good to know. So no reason (or excuse) not to freeze my reports when I am done with apping
For me, it was two-in-one: (a) prevent myself from drapping and (b) hopefully prevent ID theft and fraud. Quite a few members have suggested this; I think from a discipline perspective it is great too.
I think the Slate application did it. It was a genuine drapping case. No need, full of remorse later. Heck, it'll come in handy in 6 months to pad up my Freedom limit (which is a toy one right now). That app screwed my chances of AMEX CLIs like forever. Gardening since then and making sure no more drapping.
@lg8302ch wrote:
@Ghoshida wrote:
@lg8302ch wrote:I should probably do the same but since I did not yet get my first denial I am going to try for two more cards next week and should I get my first denial then know for sure I have reached my limit with new accounts ..lol.. Still not sure if freezing is a good idea as I would hate not beeing able to access the free services like CK, Quizzle, CS, credit.com, etc.. so still debating if freezing my reports or not.
I had created my CK and CS account before freezing the reports. I still get updates from both accounts. I'll update if something changes.
The credit tracker from Cap One also mentions that there is a freeze in place, and still there is a permissible purpose: I'm checking my own report, so they can access it.
I'm not sure if you could start a new monitoring service once the freeze is in place. You can still access free reports from annualcreditreport.com or ask the CRAs for free report upon adverse action / denial of credit.
Thanks a lot. That is good to know. So no reason (or excuse) not to freeze my reports when I am done with apping
well no reason other than it costs money :-)
