i already replied once but need to clarify i freeze my credit reports not my score i didnt know you can freeze your score ???? that seems like it would defeat the purpose of the whole system i could just freeze my score when its above 800 and never have to worry again.
anyway i freeze my reports so that no one can pull a hard inquiry , information gets added and removed still balances go up and down . bills get added and removed . my score still fluctuates the only thing is they cant pull some report that i assume is required to make any significant change.
i can only speak from my experience but i know i have had to unlock 1 of my reports for a loan and after i was approved that loan showed up on the other reports as well . so maybe freeze is not the right word
none the less hope it helps
