EBay MC 7-10 day message

[GApeachy]

If you subscribe to any of the 3 credit bureaus and have the ability to lock your reports it's always a good idea to do so when not applying for credit.  It's a fraud preventative measure.

I use the free MyEquifax to place a freeze on Equifax.  I use the free TrueIdentity to lock Transunion.  Same with Exp., it's free sometimes, sometimes it's a small monthly fee...I usually just cancel before I get charged or I pay the $14.99/month.  I think there's a creditchecktotal(?) some peeps use here for Experian, idk the charge but it's cheap iirc.  

[Anonymous]

Thank you!

[Anonymous]

Hey so because I have pretty much no self-control, I did go ahead and call the Synchrony number that I had called earlier for the PayPal card to see if they knew anything about what's going on with this other eBay application, and the customer service rep was able to find this eBay application in question, she came back with "It is going up for further review". Thoughts? Better than an outright decline right? 

[GApeachy]

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@Anonymous wrote:

Thoughts? Better than an outright decline right? 

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Brace yourself......jk, sorta 

[Anonymous]

LOL you crack me up 

[coldfusion]

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@GApeachy wrote:

If you subscribe to any of the 3 credit bureaus and have the ability to lock your reports it's always a good idea to do so when not applying for credit.  It's a fraud preventative measure.

I use the free MyEquifax to place a freeze on Equifax.  I use the free TrueIdentity to lock Transunion.  Same with Exp., it's free sometimes, sometimes it's a small monthly fee...I usually just cancel before I get charged or I pay the $14.99/month.  I think there's a creditchecktotal(?) some peeps use here for Experian, idk the charge but it's cheap iirc.  

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Note that "lock" and "freeze" are not synonymous terms when it comes to limiting who can access your credit reports. 

Your goals would determine whether a freeze or a lock is most appropriate for you, but freezing your reports is most likely your better option.  As an example there are legal ramifications if a CRA inappropriately releases credit information when a freeze is in place that don't exist if there is a lock. 

[GApeachy]

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@Anonymous wrote:

LOL you crack me up 

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😁👍

[ocheosa]

Congrats on your recent haul !

but, just a brief PSA...

careful poking Mr Sync, he tends to sledge hammer back...

[babygirl1256]

Congrats on your approved PayPal Cash Back card.

[designated_knitter]

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@coldfusion wrote:

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@GApeachy wrote:

If you subscribe to any of the 3 credit bureaus and have the ability to lock your reports it's always a good idea to do so when not applying for credit.  It's a fraud preventative measure.

I use the free MyEquifax to place a freeze on Equifax.  I use the free TrueIdentity to lock Transunion.  Same with Exp., it's free sometimes, sometimes it's a small monthly fee...I usually just cancel before I get charged or I pay the $14.99/month.  I think there's a creditchecktotal(?) some peeps use here for Experian, idk the charge but it's cheap iirc.  

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Note that "lock" and "freeze" are not synonymous terms when it comes to limiting who can access your credit reports. 

Your goals would determine whether a freeze or a lock is most appropriate for you, but freezing your reports is most likely your better option.  As an example there are legal ramifications if a CRA inappropriately releases credit information when a freeze is in place that don't exist if there is a lock. 

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Not to hijack the thread but this is interesting.  No wonder the CRAs push their lock feature instead of freezes!  Thanks for sharing this!