topic Re: freeze credit card to push score higher ??? in Understanding FICO® Scoring

freeze credit card to push score higher ???

myfarouco — Wed, 02 Oct 2024 19:49:43 GMT

i have a late payment on all 3 bureaus on one credit card, is it possible to freeze the credit card so it doesn report to the bureaus , all my other credit cards are good

Re: freeze credit card to push score higher ???

Patient957 — Wed, 02 Oct 2024 20:50:20 GMT

You can try freezing time. That would prevent the lates from reporting.

Sorry, couldn't resist.

I'm thinking this one is very likely a big "no."

Re: freeze credit card to push score higher ???

FicoMike0 — Wed, 02 Oct 2024 21:34:10 GMT

Freezing time, that's interesting. It's believed that time freezes at the event horizon of a black hole. How cold would it have to be to freeze time?

Re: freeze credit card to push score higher ???

Jnbmom — Wed, 02 Oct 2024 22:23:37 GMT

@myfarouco wrote:
i have a late payment on all 3 bureaus on one credit card, is it possible to freeze the credit card so it doesn report to the bureaus , all my other credit cards are good

Nope not even possible

Re: freeze credit card to push score higher ???

Anonymous — Fri, 04 Oct 2024 07:11:32 GMT

As others said, NO! Freezing a card merely prevents new (non-recurring) charges going through. It doesn't prevent reporting to the CRBs any more than it zeros your balance with the issuer ("Hey the card's frozen, guess we forget what he/she owes us")

Re: freeze credit card to push score higher ???

Thomas_Thumb — Fri, 04 Oct 2024 21:36:14 GMT

@Anonymous wrote:

("Hey the card's frozen, guess we forget what he/she owes us")

That's cold.

Re: freeze credit card to push score higher ???

SouthJamaica — Fri, 04 Oct 2024 18:50:28 GMT

@myfarouco wrote:
i have a late payment on all 3 bureaus on one credit card, is it possible to freeze the credit card so it doesn report to the bureaus , all my other credit cards are good

No. Freezing a card does not stop the lender from reporting to the credit bureaus.

Re: freeze credit card to push score higher ???

FicoMike0 — Fri, 04 Oct 2024 21:18:50 GMT

How about putting the card in the freezer, rather than the sock drawer?