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freeze credit card to push score higher ???

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myfarouco
New Contributor

freeze credit card to push score higher ???

i have a late payment on all 3 bureaus on one credit card, is it possible to freeze the credit card so it doesn report to the bureaus , all my other credit cards are good

7 REPLIES 7
Patient957
Valued Contributor

Re: freeze credit card to push score higher ???

You can try freezing time.  That would prevent the lates from reporting.  

 

Smiley Very Happy  Sorry, couldn't resist.

 

I'm thinking this one is very likely a big "no."

Message 2 of 8
FicoMike0
Senior Contributor

Re: freeze credit card to push score higher ???

Freezing time, that's interesting. It's believed that time freezes at the event horizon of a black hole. How cold would it have to be to freeze time? 

Message 3 of 8
Jnbmom
Credit Mentor

Re: freeze credit card to push score higher ???


@myfarouco wrote:

i have a late payment on all 3 bureaus on one credit card, is it possible to freeze the credit card so it doesn report to the bureaus , all my other credit cards are good


Nope not even possible 

EXP 780 EQ 796 TU 810
Message 4 of 8
Anonymous
Not applicable

Re: freeze credit card to push score higher ???

As others said, NO!   Freezing a card merely prevents new (non-recurring) charges going through.   It doesn't prevent reporting to the CRBs any more than it zeros your balance with the issuer ("Hey the card's frozen, guess we forget what he/she owes us")

Message 5 of 8
Thomas_Thumb
Senior Contributor

Re: freeze credit card to push score higher ???


@Anonymous wrote:

 

("Hey the card's frozen, guess we forget what he/she owes us")


That's cold.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 6 of 8
SouthJamaica
Mega Contributor

Re: freeze credit card to push score higher ???


@myfarouco wrote:

i have a late payment on all 3 bureaus on one credit card, is it possible to freeze the credit card so it doesn report to the bureaus , all my other credit cards are good


No. Freezing a card does not stop the lender from reporting to the credit bureaus.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 7 of 8
FicoMike0
Senior Contributor

Re: freeze credit card to push score higher ???

How about putting the card in the freezer, rather than the sock drawer?

Message 8 of 8
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