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Have two questions about freezing

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Have two questions about freezing

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
Message 1 of 6
5 REPLIES 5
Senior Contributor

Re: Have two questions about freezing

1. Yes

2. No

Message 2 of 6
Established Contributor

Re: Have two questions about freezing


@donny10 wrote:

1. Yes

2. No


+1

 

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. 

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 3 of 6
Moderator

Re: Have two questions about freezing

Your current creditors can always get thru any freeze to maintain their account relationship with you.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 6
Established Contributor

Re: Have two questions about freezing

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. Smiley Very Happy

 

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




Message 5 of 6
Established Contributor

Re: Have two questions about freezing

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.

Message 6 of 6
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