Freezing his credit helps this expert 'sleep better' at night — here's why he says everyone should do it.
and ask for a credit limit increase, Chase can still look at your credit report to decide whether or not to approve it.Credit freezes only take about 30 to 45 minutes to set up with all and they are easy and free to unfreeze when you need to, such as when applying for a new mortgage, loan or other credit. To unfreeze your credit, place a call to the bureaus or do it on their websites.
Once you unfreeze your credit, you can request how long you want it to be accessible. For example, you can request that your credit be available for one day, a week or three months. Just make sure you freeze it again after the loan is issued if you want to stay protected.Freezing your credit is important for both people with good credit and not-so-good credit.
When you're offered extensions of credit that don't have favorable terms or you're inclined to make impulse purchases, having your credit frozen helps control that. In these scenarios, if your credit is not as easy for you to access, you are better protected from following through with these decisions.
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