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Downsides to Credit Freeze, or unintended conseque...
by
TheDude
on
08-29-2024
03:43 PM
Latest post on
08-31-2024
06:32 PM
by
FicoMike0
3
Replies
527
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3
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0%
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10 years to collect
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1037
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1099-C
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18
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180 day grace period
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19
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19 year old
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2022
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30 day
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NFCU
17
NFCU 2nd CC
1
NFCU Cash Rewards
1
NFCU CLI
1
NFCU CLOC
2
NFCU navy federal navy fed
1
NFCU shared secured loan
1
Nfcu visa platinum
2
NMAC
1
no credit
2
no credit history
2
no credit while paying family for home loan
1
No dv letter response
1
no explanation
1
no ftf
1
no hard inquiry
1
no hard pull
1
non-FICO credit scores
137
Non-FICO Scores
2
Nordstrom Visa
1
Not more than 2 payments past due
1
Not opening macy card
1
not reporting
2
not updating
1
nyc
1
NYSE
1
Of
1
off
1
off cycle update
2
Off-cycle update reporting Fico score improvement
2
old
1
old accounts
2
old debt
6
Old late payments
2
OneMain Financial
2
Online banking
3
only soft inquiry
1
Onsale
1
open
1
open credit
1
openorclose
1
opt in
1
opt out
1
Opt-out
3
options
1
OptOut
1
Other
997
outstanding debt
1
over 30 days late payment
1
p2p loans
2
paid
2
paid as agreed
1
paid medical debt
1
Paragraphs added.. For human consumption.
1
past due
4
past due bills
1
Pay fo delete
1
pay for delete
2
pay ment systems
1
pay off
2
pay off options
1
Pay-for-delete
1
paydown
2
Paying off debt
5
payment
3
payment history
7
payment method
1
payment plans
1
payments
3
payoff
2
Paypal
6
PayPal Cashback MasterCard
1
paypal collection
2
Paypal Credit
8
pays as agreed
1
peer to peer lender
1
Pen Fed
5
Pen Fed approval
1
Pending
1
penfed
9
PenFed Auto Loan
1
PenFed Offers
1
PenFed Power Cash Rewards
1
PenFed Promise
1
Percentage
1
Perfect Score
1
persona loan
2
personal
1
personal finance
3
Personal finance apps
14
personal lines of credit
3
Personal loan
34
personal loans
12
pfd
2
phillips & cohen
1
phillips and cohen
1
Phone
3
Planning
1
Platinum Credit Card
2
Please Help
1
PLOC
4
PLOC APR REDUCTION
1
Point drop
1
poor credit
1
portfolio
1
Pre Approval
7
Pre-Approval
1
pre-qualified
4
Preapproval affinity
1
Premier Financial Credit Union
1
PRG
1
primary account holder
1
Primary card holder deceased
1
Privacy
3
private loans
1
problems
1
profiles
2
Proof of Income
1
Propel.
1
prosper
3
Prosper Loan
1
public records
4
purchases
1
Question
24
questions
2
QuickSilver
2
quicksilver one
1
quizzle vantage
1
raise score
1
raising credit score up fast
1
Ratio
1
Rausch sturm israel enerson & hornik
1
Reaffrimation
1
Real Estate
1
rebuild credit
2
Rebuilding
22
Rebuilding and application advice
1
Rebuilding credit
18
Rebuilding Credit after Bankruptcy
3
Rebuilding from charge off
1
Recon
1
recovery time
1
Redcard
2
refinance
4
Refinance of Rental Property
1
refunds
2
reinsert collection
1
relationship
1
relationship terminated
1
relationships
1
Remarks
2
remodel
1
Removal
7
Removal dates
1
removal from credit report
6
removal letter
1
removal of lates due to forebearance
1
remove
2
Remove credit limits
1
Remove State Liens
1
removed
1
removed collection
2
removing credit accounts
1
rent
6
rental
3
rental payments
2
renting
2
repair
2
Repay
2
Report
1
report discrepancy
8
Report freeze
3
reporting
34
reporting dates
4
Reports
8
repossed vehicle
1
repossession
5
resident
1
restaurants
1
Retail cards
253
Retail cards credit limit increase
1
Retirement
1
Revenue group
1
revolving credit utilization
3
revolving line of credit
3
reward cards
1
Rewards
7
Rewards cards
321
REWARDS CREDIT CARDS
2
risk
1
Roamans
1
roommate
1
rooms to go
1
Rosenthal
1
Rover
1
run
1
RV loan
2
saferwholsale
1
saks vs nordstorm
1
Sallie Mae
1
Sams Club
1
Sams Club Mastercard 4800
1
Samsung
1
Santander auto
1
Saving
4
savings
2
savings account
2
savings accounts
1
say no having the strengtth say no.
1
Scam
7
scams
3
sccu
1
scheduled payment
1
score
19
Score and bankruptcy
1
score boost
1
Score change
1
score damage
3
score drop
9
Score drops
1
score impact
4
Score improvement
538
Score Improvement.
9
score increase
3
Score ingredients
87
score late
1
Score updates
3
scores
8
Scores increase
3
scores updating
1
ScoreWatch Equifax
1
scrores
2
SCT
1
SCT - easy come...easy go!!!
1
sd
1
secure credit card
1
secured
2
Secured Card Graduation
2
secured cards
2
SECURED CREDIT CARD
9
secured loan
6
security
1
Security Breach
2
security freeze
4
security-lapse
1
see
1
seizure
1
self
1
Self Lender
1
selflender
1
sesame
1
sesame cash
1
set to be deleted
1
settlement
3
settlement offer
1
shady website
1
Share lender credit builder credit loans
1
Shellpoint
1
shopping cart
1
Shopping Cart Trick
1
Shopping Cart Trick 2018
1
short payment
1
simulator
5
sleep number
1
Sleepys
1
slow to report
1
small claims
1
Small claims court
1
sms
1
sms alertts
1
social security
1
sofi
3
Sofi personal loan
4
soft inquiries
7
Soft pull
11
soft pulls
5
SOL
1
SP
2
Spark
1
Spending debt
1
split file
2
split files
2
spousal fraud
2
spreadsheet
1
SSI
1
SSL
5
SSN
7
SSN Trace report
1
Star Card
2
startedatthebottomnowImhere
1
State Tax Lien
1
statement
5
Statement close date
3
Statements
1
statue of limitations
3
statute of limitations
3
Stock Market
1
store card
2
store cards
3
Store Credit Cards
3
Story
1
stress
1
student
4
student loan
8
Student loan age of credit history
3
student loan late payment
1
Student Loan Simulator
1
student loans
15
subprime
1
subprime cards
3
subscription
1
subscriptions
1
success
1
sue
2
sued
2
Sueing
1
Suggestions for BT card
1
sunrise credit services
1
superior rental purchase
1
SYNCB
2
Synchrony
8
synchrony bank
2
Synchrony care credit
1
synthetic identity fraud
1
T mobile
2
T-mobile
1
target
1
Target Card
3
tax
2
Tax Fraud
1
tax lien
2
tax refund
1
taxes
1
TCPA
1
Tech Issue
1
Tequila Shots
1
Texas
1
Texas Debt Verification
1
Texas Guarentee
1
Thin
1
Thin File
2
third party debt collectors
1
Time since most recent account opening is too short
1
timeline
1
Timing
1
tips
1
Too many credit cards
1
too many inquiries
1
too much available credit
1
tradelines
3
trades
1
traffic ticket
1
Trans-union TU score jumping
1
Transferring Credit Lines
1
transunion
34
transunion dispute
7
Transunion TU score jumping
1
Transworld Systems
2
tranunion dispute
1
Travel cards
91
Travel rewards
2
Truist
1
Truist bank
1
TSI
1
tu
9
TU: 777
1
Tuition
1
TX
1
types of loans to keep
1
U.S. Bank
3
UI
1
Ultimate 3B
1
Ultra FICO
1
unusual behavior
2
up dateing
1
update
2
updated information
1
updates
5
upgrade
1
upside down
2
upstart
1
us bank
4
US bank be late
1
Us bank cash +
1
US bank cash plus
1
US bank cash plus auto cli
1
Us bank cash+
1
US Bank CLI
1
US Bank Premier Line of Credit
1
Usaa
3
usage
2
USBank
1
USPS
1
utility
1
utility bill
1
utilization
23
utilization decrease
1
Uverse
1
VA
1
va loan
4
vantage
3
Vantage 3.0
1
Vantage Score
9
VantageScore
4
Variance between OC & collections dates
1
vehicle
1
vehicle repossession
1
Venture
1
Verification
3
verizon
2
Verizon Fios
1
victim
1
Victoria's secret
1
visa
2
VISA cards
2
visa signature
1
Volvo
1
Volvo Financial Services
1
wage garnishment
1
WagWalking
1
Walmart
1
Walmart Synchrony
1
wayfair
1
website
3
websites
1
Wells Fargo
4
wells fargo dealer services
1
Wells Fargo Propel
1
when is it 30 days past due
1
Which first for least impact on credit
1
Why did my Scores Drop
1
without hard inquiry
1
without hard pull
1
Wondering
1
Worried on getting denied
1
worth card to apply
1
Wrong address
2
Wrong addresses
2
X1
1
You Can Get to 850
1
young
2
zelle
1
zero
1
zero balance
1
zombie debt
1
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