- Joined Aug 5, 2017
As dude below said. It basically locks ur credit so no one has access to pull your credit.A lot of misinformation about credit so I am asking, can you improve your credit if you have it frozen? Don't intend on buying anything major in the next few years outside of emergency situations, but I am trying to raise my score more. I thought having it frozen might prevent that. I was just talking to my mom and she is planning on buying a second house and she said she is about to unfreeze her credit.
U will not be receiving any credit card offers after a freeze either.
And whenever u need to pull credit for a loan or something. U login or call and have them lift it for a specified amount of time or u can give the loan company access to pull ur credit for a specific amount of time.
And as dude below said. Yes you can still use ur credit cards and ur credit score is still active (it can go up or down)
Great answerYes, you can improve your credit while it is frozen. A credit freeze only freezes access to your credit reports. It doesn't freeze your credit scores. Freezing your credit just means you're unable to apply for new credit until the freeze is removed/lifted. It's particularly in place to prevent someone from stealing your information and opening new accounts in your name.
Now to maximize your credit scores, you'll need at least 3 credit cards and 1 installment loan. Implement the AZEO (all zero except one) method. Only let 1 of the 3 credit cards report a small balance. The other 2 credit cards should report a zero balance when the statement cuts. Same can be done if you have more than 3 credit cards. Just let 1 card report a small balance and all the others report a zero balance.
Sorry, I know the question wasn't directed to me, but I wanted to clear things up.