Be aware that locking your report does not give you the statutory protections that freezing your report does. See FCRA. Therefore a freeze is preferable to the CRA-created locks. See Credit Scoring Primer.
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Locking versus freezing

1 of 2
3 years ago
Mon Jun 07, 2021 6:03 am
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 23 minutes Next Level in24 days, 3 hours, and 37 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 23 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 23 minutes ago
Be aware that locking your report does not give you the statutory protections that freezing your report does. See FCRA. Therefore a freeze is preferable to the CRA-created locks. See Credit Scoring Primer.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: Locking versus freezing

2 of 2
7 months ago
Sun Jan 28, 2024 11:51 am
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Dinosaur
Seasoned RebelDinosaur
Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 20 hours, and 23 minutes Next Level in3 hours and 37 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 3 hours, and 37 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 3 hours, and 37 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 3 hours, and 37 minutes
Birdman wrote: ↑Mon Jun 07, 2021 6:03 am Be aware that locking your report does not give you the statutory protections that freezing your report does. See FCRA. Therefore a freeze is preferable to the CRA-created locks. See Credit Scoring Primer.
Just a game and for what? Freezing is the way to go!
Dinosaur
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  • Score data EQ8:808 TU8:803 EX8:799
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