If you haven't seen the first video for the credit series, start here - shocking information about what is and isn't on your credit report and how it's affecting you! th-cam.com/video/C6ZQSvuV_7k/w-d-xo.html
Just wonderful, I been tryin to find out about "credit repair report services" for a while now, and I think this has helped. Have you heard people talk about - Fanrayson Creditor Indemnization - (do a search on google ) ? Ive heard some extraordinary things about it and my neighbour got cool success with it.
For people that watch this today like me: now credit freezes are available for free to everyone! Thank you Joseph for this great video! I will take your advice!
Thank you, just froze mine! I don't even want to chance someone using my credit and I don't plan on even opening any lines of credit in a while. :) Great video!
I know, right?! I don't think people are really ready for how bad identity theft and hacking is going to be over the next few years. And there's not much you can do about it since many are overseas, except just freezing your credit.
Thanks JJ. Definitely a long-term solution to identity theft and hacking. I have friends that have had their credit frozen for years and don't have to worry about it.
Thanks for this video and the series in general, Joseph. I really hope you will manage to grow this channel because more people need to hear your message. Keep going!
Thank you. Have enjoyed making the series and I think it can help a lot of people, especially this video on credit freeze. It's so easy and really is the only way to protect from identity theft.
Thanks Lacey. Most people don't know just how easy it is for someone to steal their identity or credit report. A credit freeze is the only real solution.
Fantastic work as always Joseph! This is an issue that too many people end up paying for without even knowing the alternatives so good stuff here for everyone.
Yeah, I was surprised when I found out how effective it was to freeze a credit report and how it actually protected from identity theft instead of just monitoring your credit.
Watch out for Experian. If you do it online, you are stuck getting their membership. I don't want the membership, but you can't get anyone on the phone, so you're stuck.
I understand that when you freeze your accounts, you provide your name and address. Now suppose you froze your credit and your address changes. Does an address change create a problem for you when you elect to unfreeze an account?
Hey Joseph! I was able to find the entire playlist after all. Great info! I’m focusing on debt consolidation and have a couple questions. Bad credit means my loan will have a high interest rate (the ONLY red flag is utilization due to being in between jobs for 2yrs, but no missed payments) Do I have the option to later refinance that loan ? Do extra payments to the loan help me in the end?
You can apply for credit instantly after unfreezing your credit report. If you plan on applying for a loan within 24 hours, I would call the credit bureau to make sure the un-freeze is applied but it's almost always automatic.
Recently, I applied for a citibank card and they told can't process it because it was freeze. I don't remember freeze it myself. But I could be wrong. Any thoughts??
What about Innovis? did you for get about that credit bureau? INNOVIS!!! let people know about Innovis, why is Innovis kept such a secret? hey everyone, go look up INNOVIS as well!
Hello I got a fake number from equifax on my computer gave up my last 4 digits of my social plus other information how do I get the fake charges reversed if I see some?
I just froze my credit systems after the capital one hack. Fortunately I already have credit cards and my last card, a Citi double cash is on its way, so I should be fine. Here's hoping.
I hear the citi double cash is no longer offering 1% off purchases plus another 1% when you pay the bill. Many have gotten letters saying this 2% offer is ending soon. Not sure if you read the fine print but you may want to. Just a heads up as I also was considering this card. I have a capital one card and they say anyone affected will get a letter in the mail with a offer of free credit monitoring.
Thanks Benjamin. Not the first time someone has tried to rub my head for luck. I'm lovin' the debt payoff series of videos and really hope it helps some people out. I used a credit monitoring service for years, paying hundreds of dollars, before I figured out how easy it was to freeze credit reports.
I called the number for the Experian services to freeze my account, but it turned out to be a number for Consumer Information Bureau. I looked up Consumer Information Bureau on the Internet, and several people reported that they were scammed by them. I cannot talk to Experian directly to find out if the Consumer Information Bureau is a legitimate branch of Experian. Not too sure what to think.
Not sure what number you called but all the info in the video is direct to the credit bureaus. You don't need any other services to freeze your credit, just go straight to the credit agencies.
Don't lock, on freeze. Locking allows the credit bureaus to continue selling your information. It also removes their liability if your information is stolen. Always freeze.
this is bad advise. do NOT freeze your credit. My credit score has taken a 50 pts hit because I did this. I had a 750 now it's 699 and has stayed there for 2 years.
@@josephhogue they can't explain to me why it dropped. The only thing that changed,. A credit freeze. Also, I have recently paid off a 17500 loan over 3 years and my credit remains at 699. My brother with no job and no credit cards has a 760 credit score. This whole credit bureau nonsense is just complete bullshit with no rhyme or reason how they come up with their scores. If you inquire about a loan it takes a 40 to 50pt hit. If you pay off a loan, nothing.
More proof is now that I unfroze with all 3 companies to buy a house it went back to 740. Also noticed what lenders say my credit is from TransUnion ( their letter States this is who they used to check my credit)is 60pts lower than what trans Union tells me my credit is.
If you haven't seen the first video for the credit series, start here - shocking information about what is and isn't on your credit report and how it's affecting you! th-cam.com/video/C6ZQSvuV_7k/w-d-xo.html
Just wonderful, I been tryin to find out about "credit repair report services" for a while now, and I think this has helped. Have you heard people talk about - Fanrayson Creditor Indemnization - (do a search on google ) ? Ive heard some extraordinary things about it and my neighbour got cool success with it.
As of today the credit freeze on all 4 credit agencies are free. You may want to do a update video.
Thanks I just froze all 3 with no charges at all.
Thank you...It's so bizzare that we have so little control over something that can significantly impact our lives like this.
For people that watch this today like me: now credit freezes are available for free to everyone! Thank you Joseph for this great video! I will take your advice!
Thanks for the info. I just froze all three bureaus for free.
Thank you, just froze mine! I don't even want to chance someone using my credit and I don't plan on even opening any lines of credit in a while. :) Great video!
I frozen all 3 for free! Highly recommend
How did u get it for free?
@Chuck D how did u do it ?
Passed this video onto my mom, she found it helpful!! Thanks Joseph!
Thanks Ken. The credit monitoring industry makes billions. Wish more people know how to freeze a credit report, could save a lot of people money.
You always give some great tips. These hackers are getting out of hand so this info is definitely needed
I know, right?! I don't think people are really ready for how bad identity theft and hacking is going to be over the next few years. And there's not much you can do about it since many are overseas, except just freezing your credit.
Excellent video Joseph. I will definitely be looking into this as soon as we get through with building our house and have our mortgage set.
Thanks JJ. Definitely a long-term solution to identity theft and hacking. I have friends that have had their credit frozen for years and don't have to worry about it.
Thanks for this video and the series in general, Joseph. I really hope you will manage to grow this channel because more people need to hear your message. Keep going!
Thank you. Have enjoyed making the series and I think it can help a lot of people, especially this video on credit freeze. It's so easy and really is the only way to protect from identity theft.
You saved my life, I am forever grateful 🤲🏾
This is great information that can help people with the security of their credit report!
Thanks Lacey. Most people don't know just how easy it is for someone to steal their identity or credit report. A credit freeze is the only real solution.
Fantastic work as always Joseph! This is an issue that too many people end up paying for without even knowing the alternatives so good stuff here for everyone.
Yeah, I was surprised when I found out how effective it was to freeze a credit report and how it actually protected from identity theft instead of just monitoring your credit.
Transunion was free :) Working on the other 2
Watch out for Experian. If you do it online, you are stuck getting their membership. I don't want the membership, but you can't get anyone on the phone, so you're stuck.
This is 100 %free for all of it now
You save my life thank you
Always glad to help Walter
Thank you for being a part of the community
Great video!
It's pretty easy to do all 3. It is free, you just have to go through the hooplah of setting up accounts if you don't already have them.
Great information! Thanks for sharing
Now is a great time to freeze your credit thank you
And now another 270 million hacked
@ 4:14 the screenshot of the websites of the three credit bureaus. I wish they were added in the description so that we could just clicked on them.
Would but trying to limit links. TH-cam will hit a video if people click out. Just search on Google
You made this so ez thanks!
If I freeze my credit cards will I still have to pay interest?
Thank you! That was so easy!
Thanks for great info!!
Great info as always Joseph! Thanks
Thanks Camille. Really liked this one. Some quick and easy info that I think can help a lot of people protect their credit and identity from hackers.
Thank you very much
Always glad to help. Thank you for being a part of the community.
Thank you for this information.
Always glad to help Tia.
I understand that when you freeze your accounts, you provide your name and address. Now suppose you froze your credit and your address changes. Does an address change create a problem for you when you elect to unfreeze an account?
How you freeze your credit?? We are in 4 minutes into the video. Thanks!
Thank you for your service 🇺🇸💪
Thank you, friend!
Thank you!
Hey Joseph! I was able to find the entire playlist after all. Great info! I’m focusing on debt consolidation and have a couple questions. Bad credit means my loan will have a high interest rate (the ONLY red flag is utilization due to being in between jobs for 2yrs, but no missed payments)
Do I have the option to later refinance that loan ?
Do extra payments to the loan help me in the end?
Do y'all feel that?.....
That icy cold breeze you feel is coming off my credit reports. Frozen solid.
thanks . That was helpful
Awesome video, when I unfreeze my credit how long does it take for creditors to c your credit if applying for a loan
You can apply for credit instantly after unfreezing your credit report. If you plan on applying for a loan within 24 hours, I would call the credit bureau to make sure the un-freeze is applied but it's almost always automatic.
Is everything still up to date in this video? Site address, phone number and etc..
Recently, I applied for a citibank card and they told can't process it because it was freeze. I don't remember freeze it myself. But I could be wrong. Any thoughts??
Only thing you can do is visit each of 3 credit bureau websites, look for 'freeze/unfreeze' credit and go through the process
@josephhogue Thanks so much. Exactly what I was thinking.
Why didn’t I know this before? 😢
It should be free to freeze the credit report…. Do you work for them?
Thank you for this video
What about Innovis? did you for get about that credit bureau? INNOVIS!!! let people know about Innovis, why is Innovis kept such a secret? hey everyone, go look up INNOVIS as well!
Hello I got a fake number from equifax on my computer gave up my last 4 digits of my social plus other information how do I get the fake charges reversed if I see some?
Check each of your three credit reports to see where the charges show up and contact each bureau to dispute the charge.
Can you give me the websites to each of the bureaus thanks
Equifax link is not working for me. TransUnion and Experian were free to Freeze.
I just froze my credit systems after the capital one hack. Fortunately I already have credit cards and my last card, a Citi double cash is on its way, so I should be fine. Here's hoping.
I was wondering also on the CapOne hack but it only affected less than 1% of the customers so I think you'll be ok.
@@josephhogue one percent is still a large number, plus they've been trying to play it off rather then being honest, so can't be too sure.
I hear the citi double cash is no longer offering 1% off purchases plus another 1% when you pay the bill. Many have gotten letters saying this 2% offer is ending soon. Not sure if you read the fine print but you may want to. Just a heads up as I also was considering this card. I have a capital one card and they say anyone affected will get a letter in the mail with a offer of free credit monitoring.
Semper Fi Marine
I called all 3 separately and had them frozen in under 20 minutes for free
Can't have a credit report to steal if you have no credit
If you lock it with 1 site does is still protect you ? Or to be extra secure you have to do it with all 3?
Best to do it with all three. Basically, scammers can take out a loan and if the approval comes from unlocked report then could go through
Do you have to freeze all accounts?
Tarik Rush’iti Yes, It’s better that way .
Ridiculous tie
you are the man, this was great info. this makes me want to give you a big hug and rub that head of yours (get your mind out of the gutter).
Thanks Benjamin. Not the first time someone has tried to rub my head for luck. I'm lovin' the debt payoff series of videos and really hope it helps some people out. I used a credit monitoring service for years, paying hundreds of dollars, before I figured out how easy it was to freeze credit reports.
I thought freezing your credit was a free service ?
I called the number for the Experian services to freeze my account, but it turned out to be a number for Consumer Information Bureau. I looked up Consumer Information Bureau on the Internet, and several people reported that they were scammed by them. I cannot talk to Experian directly to find out if the Consumer Information Bureau is a legitimate branch of Experian. Not too sure what to think.
Not sure what number you called but all the info in the video is direct to the credit bureaus. You don't need any other services to freeze your credit, just go straight to the credit agencies.
Tranunion website shows you can freeze or lock your credit for free.
It's something a few of the bureaus have been experimenting with, mostly off and on.
Don't lock, on freeze. Locking allows the credit bureaus to continue selling your information. It also removes their liability if your information is stolen.
Always freeze.
ncture Freeze also I got nailed with verified
this is bad advise. do NOT freeze your credit. My credit score has taken a 50 pts hit because I did this. I had a 750 now it's 699 and has stayed there for 2 years.
Freezing your credit doesn't hurt your score. There's something else going on that's hitting your FICO...and learn how to spell advice.
@@josephhogue they can't explain to me why it dropped. The only thing that changed,. A credit freeze. Also, I have recently paid off a 17500 loan over 3 years and my credit remains at 699. My brother with no job and no credit cards has a 760 credit score. This whole credit bureau nonsense is just complete bullshit with no rhyme or reason how they come up with their scores. If you inquire about a loan it takes a 40 to 50pt hit. If you pay off a loan, nothing.
blue03r6 I’ve had my credit frozen for a few years. My credit score has never dropped!
More proof is now that I unfroze with all 3 companies to buy a house it went back to 740. Also noticed what lenders say my credit is from TransUnion ( their letter States this is who they used to check my credit)is 60pts lower than what trans Union tells me my credit is.
Can you freeze husband and wife at the same time?
You'd have to do it seperately
@@josephhogue Thanks : ) I froze with Experian, Transunion and Equifax. But do I also have to freeze with Innovis and National Consumer Telecom ?
The equifax link seems to no longer work. Just a heads up.
Thanks is this a monthly fee with all three?