Actually freezing your CRs to make a creditor select another is a bit of a taboo subject on the boards.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:Actually freezing your CRs to make a creditor select another is a bit of a taboo subject on the boards.
Yes.
Taboo. We'll go with that one. 
With that said, I am not advocating it. 
@Anonymous wrote:
@Shogun wrote:Actually freezing your CRs to make a creditor select another is a bit of a taboo subject on the boards.
Sorry, I have recently been a victim of identity theft. I submitted apolice report and under CT regulations I was suggested to add security freez. I then had to mail police report, copy of license, copy of CR to EX to remove identity theft item. Because it was all done through mail, I have not yet received any PIN. I have recently found out taht I could have choosen my own PIN and now I requested EX to do it. EX now state that I have to wait for theirs to arrive in mail and then call in to change that.
That was the honest reason why I can't unfreez EX for application.
Well then, that would be your reason for it. I'd buy that explanation.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Anonymous wrote:
@Shogun wrote:Actually freezing your CRs to make a creditor select another is a bit of a taboo subject on the boards.
Yes.
Taboo. We'll go with that one.
With that said, I am not advocating it.
How many TU inqs do you have?
Come on, Nixon! we all float in the same boat
BTW I am in no way suggesting or advocating it. Post was not meant to break or strech TC.
@Anonymous wrote:
@Shogun wrote:
@Anonymous wrote:
@Shogun wrote:Actually freezing your CRs to make a creditor select another is a bit of a taboo subject on the boards.
Sorry, I have recently been a victim of identity theft. I submitted apolice report and under CT regulations I was suggested to add security freez. I then had to mail police report, copy of license, copy of CR to EX to remove identity theft item. Because it was all done through mail, I have not yet received any PIN. I have recently found out taht I could have choosen my own PIN and now I requested EX to do it. EX now state that I have to wait for theirs to arrive in mail and then call in to change that.
That was the honest reason why I can't unfreez EX for application.
Well then, that would be your reason for it. I'd buy that explanation.
Pretty reasonable, actually.
@Anonymous, 1 TU inquiry.
