@Sethp2320 wrote:
ok so im not sure if or how but i think my credit has been frozen and i dont know how that happen how do u get it un frozen?
A credit "freeze" means that the credit bureau won't answer requests from lenders about your credit. This means that most lenders won't give you credit since they can't verify you. (Won't approve new loans, mortgages, and so on.) A freeze is something you do yourself to stop other people from opening fraudulent accounts in your name via identity theft.
To "freeze" your own credit report is a procedure governed by federal law. You have to contact the credit bureau, provide certain information, and they give you certain information including a special code to unfreeze your account. If you froze your credit report and did not save the information, you will have to call the credit bureaus and see what alternative procedures they offer to unfreeze your account.
If you are unable to obtain credit, that may not be a "freeze" as we mean the word, especially if you never placed a freeze. You may have other problems (real or mistakes) that prevent you from getting credit. Again, you can call the credit bureaus to see what they can tell you.
