Man - I got to stop!

[smallfry]

Ray the easiest way to stop is to STOP reading all message boards pertaining to credit. Been there done that.

[Anonymous]

I hear you.

I do like to read this board and have picked up some good tips to work with.

Now maybe I can cool down and share some of my past experience. Maybe I can be of help...

When you read these boards, it is not hard to get all excited and app just for the heck of it. I know, it caught me!

Ray

[DI]

YOU NEED TO PUT A FREEZE ON ALL OF YOUR CREDIT REPORTS!!  That's my yelling.

[Anonymous]

THANKS FOR YELLING!  

I am considering doing just that. Temptation is a terrible thing unless it can be controlled!

Ray

[DI]

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@Anonymous wrote:

THANKS FOR YELLING!  

I am considering doing just that. Temptation is a terrible thing unless it can be controlled!

Ray

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I've had credit freezes on my TU and EX for over two years now.  Things have worked out well.  The inquiries are disappearing. 

[Anonymous]

I have not done this - what is the approach???

I would freeze EQ and TU. EX looks quite good right now. EQ has the most INQ's.

Thanks!

[Datx]

Go to the website for each CRA and do a search for a freeze. Mine are ice frozen because I can't say stay away from that pretty "Apply" button.

[Open123]

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@DI wrote:

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@Anonymous wrote:

THANKS FOR YELLING!  

I am considering doing just that. Temptation is a terrible thing unless it can be controlled!

Ray

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I've had credit freezes on my TU and EX for over two years now.  Things have worked out well.  The inquiries are disappearing. 

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For me, this would be the only realistic way for me to stop for a while.  Or, stay off the forums.

[Anonymous]

Wow thats alot of apping.....STOP! lol

[tntexans72]

Does freezing your credit report raise a red flag with your current lenders?

I know Barclays will soft you the 1st 6 months if you have an account with them...will they red flag you? or closed your account?

I guess the question I have for anyone who freezes their CR is...have any lenders closed your account because of the freezed?