Many car insurance agencies run your credit. Many believe that keeping a high credit score and clean report is not necessary unless you are looking to get a loan. Since Americans love to borrow, credit reports and scores have become very valuable. Its a deep look into your borrowing lifestyle. They know where you live, what car you drive, your home price, what credit cards you have, and much more. With a couple of inquiries, banks can know about most of your buying and payment habits. Your credit profile doesnt leave much to the financial imagination. TransUnion, for instance, allows you to schedule the end of a credit freeze 15 days in advance. You may also be able to prepare ahead of time to minimize any delays or problems. If you need to send in your request, you can pay extra for overnight mail. Recommended Reading: Does Paypal Credit Report To Credit Bureaus Is There A Way To Speed Up The ProcessĪn hour isnt long, but if you have an urgent need for a credit thaw because you’re vying for a coveted apartment rental or applying for a loan to pay for an emergency vet bill, you may be able to speed things up by explaining the circumstances to a phone representative at the credit bureau. Make sure youâre taking the proper steps to secure your information so that it doesnât fall into the wrong hands. Whether or not you choose to freeze your credit, fraudsters could still take advantage of you by getting things like your credit card number or passwords to online accounts. If you request a freeze, be sure to store the passwords youâll need to thaw your credit in a safe place. If you want to freeze your credit, you need to do it at each of the three major credit bureaus: Equifax, TransUnion and Experian.
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