Should I freeze or not that is the question

[angeliceyes22]

First I would like to say love you credit boards!

 

I am thinking about freezing Equifax it is my lowest score only 595 my Transunion score is 685 with one paid baddie. I want to apply for a credit card maybe with NFCU I already have a secured card with them but I want to get a unsecured card. NFCU only pulls from EQ so I was thinking about freezing my Equifax account so navy would pull from Transunion. I was also thinking about Barclays NFL or discover in Ideals would be appreciated I live in VA and I have already check the credit pulls database.

 

Should I freeze EQ would there be any adverse reaction that I don't know about. I cant find a lot of information about this on credit boards.

[lucky4]

Yes. See these threads:

 

http://creditboards.com/forums/index.php?showtopic=514214

 

http://creditboards.com/forums/index.php?showtopic=514447

[mendelssohn]

NFCU will pull TU if you freeze EQ, so go for it.

[angeliceyes22]

Thanks for the good advise, do you think my score is good enough 685 fico on Transunion.

[angeliceyes22]

and how long should I wait after freezing Equifax online? is it automatic? can I apply today?

[mendelssohn]

Thanks for the good advise, do you think my score is good enough 685 fico on Transunion.

They gave me $10K on a CC and $10K on NavChek when my EQ was 623.

[angeliceyes22]

Wow thanks for the info mend, I am going to freeze today and apply the next day. Do you think the freeze will happen immediately.

[mendelssohn]

Wow thanks for the info mend, I am going to freeze today and apply the next day. Do you think the freeze will happen immediately.

I'll let someone else answer that. I've never frozen my reports.

[cv91915]

I've only frozen Experian. It was immediate.

[angeliceyes22]

Thanks everyone for all your help for some reason Equifax is asking for more info so I have to send the request by mail or give them a call.