topic Re: I'm Done in Credit Cards

I'm Done

Greers — Sun, 26 Jun 2016 21:48:16 GMT

I'm Done with new accounts and inquiries. I have frozen all CR in 2 years my score should be in 800s I have a thick file. Gardening is in order. I have 0 negative but have 20 on TU and 7 on EQ I want a 2family house in 3 yrs and don't want high interest.

Re: I'm Done

Loquat — Sun, 26 Jun 2016 22:08:17 GMT

Same here. Just froze all 3 on Friday. Don't need anymore cards. Not applying for a car anytime soon and I've already bought my house. I'm a member of NFCU and the approvals over there are too easy... Which is something I don't need right now.

Re: I'm Done

AverageJoesCredit — Sun, 26 Jun 2016 22:11:08 GMT

Well done. Its gotta be great when you know you are finished for awile. Probably make the next time you come out that much sweeter

Re: I'm Done

CountryLivin — Mon, 27 Jun 2016 00:57:16 GMT

I was thinking about doing the same thing! How much does it cost to have your credit records frozen?

Re: I'm Done

Loquat — Mon, 27 Jun 2016 00:59:26 GMT

I think it depends on your state...but for me it's 5 bucks each to place, lift, or remove.

Re: I'm Done

CountryLivin — Mon, 27 Jun 2016 05:35:16 GMT

@Loquat wrote:
I think it depends on your state...but for me it's 5 bucks each to place, lift, or remove.

Is it easy to do?

Re: I'm Done

Greers — Mon, 27 Jun 2016 09:21:44 GMT

It was $10 for me. Just call each agency and go though it

Re: I'm Done

Anonymous — Mon, 27 Jun 2016 11:42:29 GMT

Does it still allow companies to do soft pulls? Meaning does it only prevent Hard Pulls?

Re: I'm Done

Greers — Mon, 27 Jun 2016 13:04:37 GMT

Yes companies can still SP but not hard. All your banks is going still see your report.

Re: I'm Done

Loquat — Mon, 27 Jun 2016 14:06:33 GMT

@CountryLivin wrote:
@Loquat wrote:
I think it depends on your state...but for me it's 5 bucks each to place, lift, or remove.
Is it easy to do?

It is...I was able to freeze all 3 of my reports in less than 5 minutes online. Very simple process.

Re: I'm Done

Loquat — Mon, 27 Jun 2016 14:08:49 GMT

@Anonymous wrote:
Does it still allow companies to do soft pulls? Meaning does it only prevent Hard Pulls?

Companies can still SP you...but I want to let you know that if you have any accounts with Synchrony and you ask for a CLI, they're going to request that you unfreeze your report. Even though it's a SP they still won't do it unless you release the freeze. This has been my experience with them.,,maybe others will chime in if they've had different results...

Re: I'm Done

Anonymous — Mon, 27 Jun 2016 15:05:19 GMT

Thank you for your additional information. I do not have anything with Synchrony... so Im guessing that is a good thing.

Re: I'm Done

RonM21 — Tue, 28 Jun 2016 22:49:10 GMT

Best of luck to those of you staying put for a while, gardening. I'm soon to join you.