Un-freezing credit.

[kristandthekids]

I'm a good girl. If I don't have it, I don't spend it. I pay cash for everything. My only debt is my student loans.

But the Jeep finally bit it. I had to get a new one soon anyway due to expecting Kiddo #3. I've always paid cash for my cars and expected to have some time to save up. Kinda kicking myself for putting my $5k tax refund all towards student loans now. But anywho...

I applied for a car loan. They came back and said I was an automatic deny. What? WTF? With my only debt being my student loans I should have excellent credit! No way do I have other debts! In fact a few years ago I put a freeze on my.... oh. yeah. I feel dumb now.

I've tried calling the credit companies to get the freeze I put on my credit lifted and for the life of me I can't reach a real human. Nor can I find any place online that explains how to go about requesting the freeze be lifted. Requesting the freeze was super easy. Undoing it, not so much. If I weren't pregnant I would say screw it and go car free for a while.

Has anyone ever had to do this? How did you go about un-freezing your credit?


I'm afraid I'm going to end up at one of those sketchy $999 down, no credit check places.

[zebra15]

GO to creditboards.com (org??)  they maybe able to help you.  But yes putting the freeze on the freeze on the accounts is easy, getting them working again is next to impossible.

[kristandthekids]

Thanks for the link. A quick search of the forums do say that people have been successful doing it looks like it's through the mail and slow. If you DO eventually find a live human on the phone they're in India.

This will be fun.