Okay, this is my personal insight and assumption I experienced by freezing my experian report, so dont flame at me. We all hear that there are no repercussions by freezing one's report. True to that, but you can actually hurt your scores. See, ontime payments, have increase my score points for the other two credit bureaus by roughly 10-20 pts in a period of 3 months. In the meantime, my experian (frozen) score remain the same. Somehow, it wasnt reading/updating my credit profile because it was frozen.
pyro123 said: Okay, this is my personal insight and assumption I experienced by freezing my experian report, so dont flame at me. We all hear that there are no repercussions by freezing one's report. True to that, but you can actually hurt your scores. See, ontime payments, have increase my score points for the other two credit bureaus by roughly 10-20 pts in a period of 3 months. In the meantime, my experian (frozen) score remain the same. Somehow, it wasnt reading/updating my credit profile because it was frozen.
pyro123 said: Okay, this is my personal insight and assumption I experienced by freezing my experian report, so dont flame at me. We all hear that there are no repercussions by freezing one's report. True to that, but you can actually hurt your scores. See, ontime payments, have increase my score points for the other two credit bureaus by roughly 10-20 pts in a period of 3 months. In the meantime, my experian (frozen) score remain the same. Somehow, it wasnt reading/updating my credit profile because it was frozen.
Now it has to play catchupThe report is updating, its your monitoring service that can no longer pull the updates. Remove the freeze, and you'll see the 'catch up' happens instantly.
srenna
Senior Member
posted: Nov. 15, 2007 @ 12:46p
A freeze prevents certain companies from accessing your credit report. It does not prevent your credit report from updating.
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