Security Freeze to Delete Negative Items on Credit... - myFICO® Forums

bigpoppa1 · ‎01-23-2021

Is it true that if you put a Security Freeze on your credit with Lexis Nexis, Innovis, and Sagestream, it is easier for you to delete negatives on your credit report ?

Personal: Upgrade Triple Cash Rewards $1,000, Capital One Quicksilver $3,000, Avant $750, Credit One $450, Credit One Black $950, Destiny $300, Milestone $300, Mission Lane $400, Cerulean $1,500, Merrick Bank Black $700, Upgrade $1,000, Fingerhut $1,300.....

C-Corporation: Universal Premium Fleetcor $22,000, BP $9,000, Shell $10,000, Amazon $5,000, Lowe's $6,500, Phillips 66 $3,000

OmarGB9 · ‎01-23-2021

No

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

thornback · ‎01-23-2021

@bigpoppa1 wrote:
Is it true that if you put a Security Freeze on your credit with Lexis Nexis, Innovis, and Sagestream, it is easier for you to delete negatives on your credit report ?

No. That was an old "method" that only occasionally worked with removing certain public records - more specifically, civil judgments often verified via 3rd party vendors such as LexisNexis. Judgments are no longer allowed to be reported on credit reports tho so...

What types of negatives are you trying to remove?

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

bigpoppa1 · ‎08-19-2021

Looking to remove a collection and inquiries

Personal: Upgrade Triple Cash Rewards $1,000, Capital One Quicksilver $3,000, Avant $750, Credit One $450, Credit One Black $950, Destiny $300, Milestone $300, Mission Lane $400, Cerulean $1,500, Merrick Bank Black $700, Upgrade $1,000, Fingerhut $1,300.....

C-Corporation: Universal Premium Fleetcor $22,000, BP $9,000, Shell $10,000, Amazon $5,000, Lowe's $6,500, Phillips 66 $3,000

gdale6 · ‎08-20-2021

@bigpoppa1 wrote:
Looking to remove a collection and inquiries

Nothing you can do about inquires unless you can convince the ones who pulled your CRs to recode them as SPs. For a paid collection a GW letter would be necessary to ask for removal.

Security Freeze to Delete Negative Items on Credit Report?

Security Freeze to Delete Negative Items on Credit Report?

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Security Freeze to Delete Negative Items on Credit Report?

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Security Freeze to Delete Negative Items on Credit Report?

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