topic Re: Have two questions about freezing in General Credit Topics

Have two questions about freezing

Anonymous — Sun, 08 Jan 2017 16:02:54 GMT

Was thinking about freezing to force myself to garden. I have two questions:

1- will I still be able to access info on things like credit karma, sesame, etc?

2- will my current lenders do AA because I've frozen my reports ?

I'm not trying to hide anything on my reports, I just want to make it more of a process for me to apply in the future so I don't impulse app

Re: Have two questions about freezing

Anonymous — Sun, 08 Jan 2017 16:09:39 GMT

1. Yes

2. No

Re: Have two questions about freezing

mattmyFIC0 — Sun, 08 Jan 2017 17:35:22 GMT

@Anonymous wrote:
1. Yes
2. No

I will add my experience. I tried doing what you are suggesting but found that if I really wanted to app I just lifted the freeze and apped anyway. My point is that it will not keep you from applying. It will just give you one extra hoop to jump through in order to do so.

Re: Have two questions about freezing

gdale6 — Sun, 08 Jan 2017 17:43:31 GMT

Your current creditors can always get thru any freeze to maintain their account relationship with you.

Re: Have two questions about freezing

Rebuilding69 — Sun, 08 Jan 2017 20:46:32 GMT

After freezing everything, it took a good week or bit longer to really get over the urge to app for stuff I really didn't need. I have 5 cards but only use 2 of them on a daily basis, personally.

I told myself that if I wasn't using all of my current cards every few months that other than setting up a small personal loan to boost my scores & a car loan in the future, I didn't need to app for anything anymore.

It was like quitting smoking a few years back for me, just keep your mind occupied with other things & before you know it the urges will go away.

I still keep my stuff frozen just because I think it's a good thing to do personally anyways.

Re: Have two questions about freezing

manyquestions — Mon, 09 Jan 2017 17:12:09 GMT

I think freezing helps if the issue is impulse control. I think it also helps to focus on other things and stay away from the credit card forums for a few months. Your score may then show the benefit of no new accounts and that may also provide an incentive to not app.