Can You Use Credit Freezes to Hide Your Bad Credit Reports?



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Normally you can’t control which credit report a lender sees when they check your credit. But what if there is a way to make sure they see your best report? In this video, find out how to use credit security freezes to potentially block lenders from seeing your bad credit reports and direct them toward the best one instead.

TIMESTAMPS
0:00 Intro
0:51 What happens when you apply for credit
1:00 Lenders’ credit bureau options for pulling credit reports
1:31 Ranking your credit reports
2:20 Credit freeze or security freeze
2:48 How to get the best credit score when a lender pulls your credit report
3:29 The normal credit application process
3:59 Using credit freezes as “roadblocks”
4:58 When the strategy does not work
5:26 Summary of the credit freeze roadblock strategy

ABOUT CREDIT COUNTDOWN
Credit expert John Ulzheimer shows you how credit works. Having worked in the credit industry for nearly three decades for companies such as FICO, Equifax, and Credit.com, John Ulzheimer is one of our nation’s most sought-after credit experts and the leading authority on credit-related topics.

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disputing negative credit reports

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1 Response

  1. John, if there is a freeze in place and the creditor can't access your report(s) how is that considered an INQUIRY that deducts points?

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