Credit Freeze

**KIEJON9** · July 28th, 2008, 12:43 AM

Credit bureaus must lift a freeze no later than three business days after receiving your request.

What will a creditor who requests my file see if it is frozen?

**hjm331** · July 28th, 2008, 01:24 AM

If you're applying for an application, they will either deny you most of the time or try pulling an inquiry from another bureau that's not frozen.

**KMoney** · July 28th, 2008, 02:12 PM

Originally Posted by KIEJON9

Credit bureaus must lift a freeze no later than three business days after receiving your request.

What will a creditor who requests my file see if it is frozen?

Which credit bureau you have frozen? Before you apply for anything make sure to find out who the creditor is pulling from, that way you can avoid a denial.

**Meya** · July 28th, 2008, 07:38 PM

HJm sometimes, they will just deny you all the way through because they choose to do business with a particular creditor

**hjm331** · July 28th, 2008, 10:30 PM

Originally Posted by Meya

HJm sometimes, they will just deny you all the way through because they choose to do business with a particular creditor

What do you mean?

**Meya** · July 29th, 2008, 01:04 AM

Originally Posted by hjm331

If you're applying for an application, they will either deny you most of the time or try pulling an inquiry from another bureau that's not frozen.

When you mentioned this quote, oooops I overlooked or misread the first sentence, my bad. But I was just saying that I know a lot of creditors that choose only what they deal with and that is mostly exp and some are eq. If they see it is frozen......DENIED! But you had said that in your first sentence

**hjm331** · July 29th, 2008, 10:58 AM

Thanks for reminding me of what I just said.

**Meya** · July 29th, 2008, 01:36 PM

No problem

**KIEJON9** · July 29th, 2008, 02:10 PM

Which credit bureau you have frozen? Before you apply for anything make sure to find out who the creditor is pulling from, that way you can avoid a denial.

I FROZEN ALL CREDIT BUREAUS

**KMoney** · July 29th, 2008, 02:35 PM

Originally Posted by KIEJON9

Which credit bureau you have frozen? Before you apply for anything make sure to find out who the creditor is pulling from, that way you can avoid a denial.

I FROZEN ALL CREDIT BUREAUS

I understand now