Getting denied for everything..

[Anonymous]

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@chalupaman wrote:

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@Anonymous wrote:

I hope these don't sound like stupid questions, but how exactly do you go about freezing your CR's? I've never done it. What kind of effects does it have other than not allowing you to apply for new credit? How do you go about unfreezing your CR's?

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You can go to the websites of each of the credit bureaus and do it there or call them. Depending on which state you live in, you may have to pay something like 3 dollars to do it. It doesn't affect being able to get my Credit Karma score or anything like that.

Experian: https://www.experian.com/freeze/center.html

Transunion: http://www.transunion.com/personal-credit/credit-disputes/credit-freezes.page

Equifax: https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp

Especially remember to write down the PIN each of the bureaus will you give you because you can also tempoarily unfreeze your reports with that or get a PIN that the creditors can use to get access to your report.

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Thanks for the information. I may just do that just to be safe. I've been on somewhat of an app'ing binge as of late, but I think I'm done. I'm hoping to purchase a car in a coupe of years, so I need to garden for quite a bit.

This doesn't affect reporting, I'm assuming?

[chalupaman]

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@Anonymous wrote:

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@chalupaman wrote:

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@Anonymous wrote:

I hope these don't sound like stupid questions, but how exactly do you go about freezing your CR's? I've never done it. What kind of effects does it have other than not allowing you to apply for new credit? How do you go about unfreezing your CR's?

---

You can go to the websites of each of the credit bureaus and do it there or call them. Depending on which state you live in, you may have to pay something like 3 dollars to do it. It doesn't affect being able to get my Credit Karma score or anything like that.

Experian: https://www.experian.com/freeze/center.html

Transunion: http://www.transunion.com/personal-credit/credit-disputes/credit-freezes.page

Equifax: https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp

Especially remember to write down the PIN each of the bureaus will you give you because you can also tempoarily unfreeze your reports with that or get a PIN that the creditors can use to get access to your report.

---

Thanks for the information. I may just do that just to be safe. I've been on somewhat of an app'ing binge as of late, but I think I'm done. I'm hoping to purchase a car in a coupe of years, so I need to garden for quite a bit.

This doesn't affect reporting, I'm assuming?

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Not at all. Only thing that's been affected for me is being able to get my Experian FICO score. I unfortunately have to unfreeze that report whenever I wanna get an update on that.