Credit Repair Houston expert Vanessa Perry, owner of Impeccable Credit Services, explains in the latest episode of Ask Impeccable the long term dangers of freezing your credit.
What is Freezing your Credit?
A credit freeze is activated when the borrower contacts the credit union to freeze their credit. Typically people do this after having fraud or stolen information. By freezing your credit the prevents anything new from going on your credit, but also prevents anything old from coming off. It does what it says and freezes credit from the time you place a freeze until further instruction is given from you to the credit bureaus.
Hawk Alert VS. Credit Freeze
A freeze pauses credit in time. Hawk alerts lock your credit and the bureau must call and get permission to use your credit before running an inquiry and opening new accounts. A hawk alert must be obtained via mail with a police report. A hawk alert it is the proper way to protect your credit against identity theft.
Why Not Freeze?
Often times people forget about putting a freeze on their credit. When they need to use their credit, it is frozen and unable to be accessed. It can put a delay on using your credit. You cannot just lock and unlock it whenever you please. It can take up to 48 hours to unfreeze your credit. This can cause an inconvenience. Also when it pertains to your credit score it can be a hassle. Since a freeze pauses your credit in time, nothing can go on or come off your credit. Often when people put a freeze on their credit they are unable to establish new credit and their score is stuck in time as well. A freeze must be lifted for the score to be raised.
Credit Repair Houston
People put freezes on their credit to prevent identity theft. A freeze is not the right solution to protect and build your score. Impeccable Credit Services, can assist with fraud alerts and teaching you how to protect and raise your credit score. With 15+ years experience we not only know how to protect your credit, but teach you how to build your score while being secure without having an expensive monitoring system or inconvenience of a a freeze.
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