credit score

[Palm5]

tried searching, is it generally recommended to freeze CR's?
With all these hacks etc I'm thinking about it.

Like I said I did a search for freeze credit report and I couldn't find a thread dedicated to it, so if anyone knows what's best or knows of a thread please reply.

Thanks

[TimT]

tried searching, is it generally recommended to freeze CR's?
With all these hacks etc I'm thinking about it.

Like I said I did a search for freeze credit report and I couldn't find a thread dedicated to it, so if anyone knows what's best or knows of a thread please reply.

Thanks

Did you read a news article in the last few days advising to do this ?

[Cappy]

tried searching, is it generally recommended to freeze CR's?
With all these hacks etc I'm thinking about it.

Like I said I did a search for freeze credit report and I couldn't find a thread dedicated to it, so if anyone knows what's best or knows of a thread please reply.

Thanks

If your credit report is clean of negatives, there is really no need for you to freeze

[Palm5]

If your credit report is clean of negatives, there is really no need for you to freeze

Id theft?

Did you read a news article in the last few days advising to do this ?

Guilty, but always had it in the back of my kind

[Cappy]

Id theft?

Besides stating the obvious, I answered your question.

[Palm5]

Besides stating the obvious, I answered your question.

Well it's rampant today and I got somethin from my insurance company saying they were hacked and they are giving me monitoring for two years

[yochiek93]

Well it's rampant today and I got somethin from my insurance company saying they were hacked and they are giving me monitoring for two years

Then don't worry just monitor it

[TimT]

Guilty,

Knew it

[Cappy]

is it generally recommended to freeze CR's?
With all these hacks etc I'm thinking about it.

You should've stated you were having identity issues.

"Using the word "hacks" looks like you're in for trouble

[PillanSmye]

If your credit report is clean of negatives, there is really no need for you to freeze

Disagree.  For instance, many creditors want EX in California.  Some like AMEX, Citi and Chase cannot be swayed to pull another bureau.  Others, like US Bank, BofA, FNBO can be guided to others.  So freezing  EX lets you spread the love so to speak

[Cappy]

Disagree.  For instance, many creditors want EX in California.  Some like AMEX, Citi and Chase cannot be swayed to pull another bureau.  Others, like US Bank, BofA, FNBO can be guided to others.  So freezing  EX lets you spread the love so to speak

The OP is looking for hacks and I wouldn't call it a hack. More like a strategy

[Zalc]

How long will Amex take to update the CR after a very large payment (>$5k) to a closed account?
I'm paying off the balance completely.
Do I need to wait until the statement cycles or do they update earlier?

[Venilla]

How long will Amex take to update the CR after a very large payment (>$5k) to a closed account?
I'm paying off the balance completely.
Do I need to wait until the statement cycles or do they update earlier?

That.

[pixi]

Does having an installment loan help  your credit score to go up even more?

[Mendelssohn]

Does having an installment loan help  your credit score to go up even more?

This has been covered in this thread several times, including several pages back.

Don't get an installment loan unless you actually need one.

[David Smith]

Good to see you back here, Mendelssohn.

[pixi]

This has been covered in this thread several times, including several pages back.

Don't get an installment loan unless you actually need one.

Have any idea which page it was discussed?  Or can you post a link?

[David Smith]

Have any idea which page it was discussed?  Or can you post a link?

http://forums.dansdeals.com/index.php?topic=96.msg1365466#msg1365466

[pixi]

http://forums.dansdeals.com/index.php?topic=96.msg1365466#msg1365466

Thanks,  but if part of the score is based on the type loans you have why shouldn't I take a installment loan of let's say 1k and  pay most of it ( it shouldn't cost me that much) ,  I know the inquiry will hurt my score  but isn't the benefit having another type of loan more worth?

[Mendelssohn]

Thanks,  but if part of the score is based on the type loans you have why shouldn't I take a installment loan of let's say 1k and  pay most of it ( it shouldn't cost me that much) ,  I know the inquiry will hurt my score  but isn't the benefit having another type of loan more worth?

No.