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Understanding Frozen Credit

Credit freezes are often confused with fraud alerts, but they are really nothing similar. A fraud alert is when new creditors are alerted that you may have been the victim of fraud, and the creditor is required to take additional verification steps that prove they should be accessing your credit and opening an account for you before they can issue the credit. Fraud alerts also remove you from receiving prescreened offers for insurance and credit.

A credit freeze is something a consumer can place on his or her own credit report – depending on where in the country you live. Some states allow anyone to put a freeze on their credit; while others only allow the victims of identity theft to freeze their credit. Here are other tips that will help you understand the basics of a credit freeze:

1. Even if your credit is frozen, your report can be updated by your existing creditors. Don't think that by placing a freeze on your credit report you can slide by with a few late payments that won't get reported!
2. A frozen credit will only prevent new creditors from accessing the information in your report. If your existing creditors want to check your credit report to see how you are paying your other creditors, they can.
3. A freeze of your credit is made with individual credit bureaus. If you freeze your credit with Experian, it won't be automatically frozen through TransUnion or Equifax. You have to freeze each manually if you want all access to be frozen.
4. “Thawing” a credit freeze; in other words, removing the hold you have on your credit report, takes several days to take effect (unless you live in Utah where they're able to unthaw in 15 minutes!) If you plan to apply for new credit or apply to rent an apartment or apply for a new job; you will want to thaw your credit a few days before you'll need it to be sure that these authorized people will have access to the report.
5. Freezing your credit does not prevent you from using your credit cards. It's not like “freezing” the credit card or “freezing” a bank account. It literally only effects the ability of a new lender to look at your credit report.
6. While the intent of a credit freeze is usually to prevent identity theft and fraud- there are still numerous ways around it that could result in you becoming the victim of identity theft or fraud, despite having a freeze on your credit. For example, in the event a lender doesn't try to check your credit before issuing a new account, new credit could be opened in your name if the criminal had the right details to do so.

Hopefully, this list has given you some useful insight into what a credit freeze is, and what it is not. Using a credit freeze may help reduce your potential for being the victim of identity theft, but if you are hoping to end the prescreened credit card offers or have creditors alerted to possible fraud activity when they begin to open a new account for you; chances are you are looking for a fraud alert service and not a credit freeze.

by: Debbie Dragon

Make the Most of Your Credit Cards

We’ve all heard the admonishments: “Never buy anything with credit; you’re just spending money you don’t have.” “Credit card debt is bad debt and should be avoided.” “The credit industry is one big money-making scam. Always pay with cash.” While this advice is good-intentioned, it’s not actually very good.

There is some truth to the statements above; credit card debt is considered bad debt since it’s a high-interest debt used mostly to purchase depreciating assets. And many fee-harvesting credit cards do exist, though these have decreased in number since the sub-prime credit market collapsed. Paying with cash is a good idea for many purchases, but it’s not always the most advantageous strategy.

So how can you make the most of your credit cards? First, know how to use them right. Use reward cards to earn cash back for daily purchases. Try not to carry a balance from one month to the next. If you do carry a balance, it will be subject to interest – some of the highest rates in the financial industry. If you must make a big purchase, use a 0% interest card that allows you a year to pay back the balance before interest is applied. Any interest you pay on depreciating assets like clothing and food is money down the drain.

Second, know how to pay for your cards. It’s imperative to make your payments on time. Right now, lenders have plenty of problems of their own. You’re not likely to find much sympathy if you make a late payment. In fact, good customers who are late by a single day find themselves slapped with 30% penalty interest on their card balances. If you think you’re going to be late on a payment, contact your card company and see if they’ll work with you. Better yet, make credit purchases in affordable moderation and avoid this situation altogether. When it comes time to pay off your cards, tackle the high-interest ones first. You’ll save money in the long-run.

Finally, know how your credit cards affect your credit report. Most lenders want to see a mixture of credit types, including revolving credit accounts. Credit cards are a prime example of revolving credit. When a lender sees that you can handle your spending, they’ll be more likely to lend you money. Also, your amount of available credit is very important. If you have a lot, your credit score will surge. But if you’ve charged up most of your available credit, lenders will see you as a risky overspender. You’ll have a hard time getting loans of any kind.

Credit cards are a convenience, not a right. Use them wisely, and you won’t struggle with the burden of debt that too many Americans have accumulated.