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Before filling out that CREDIT APPLICATION, have you made sure you understanding how many Banks will the merchant send your application? Each time they submit, the points will be deducted from your top score. Does it matter? It might be a very interesting question to ask in the right frame of time. It is up to you to make that determination.

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A CreditScore.org customer inquired about how they can “Freeze Account” – Essentially, asking “How do I freeze my credit account?” – Our Response below:
Sometimes, you might think that getting the highest Credit Score will get you the Lowest Interest Rate, but that might not be the reason why the merchant wants to know if your credit is high or low. It might want to know if your Credit is high so that you can pay the price they really want to sell you the item for. They can still present the highest interest rate, while you may be scratching your head, wondering, all the time, you were under the impression your credit score mattered, but which is true?

RSS CREDIT SCORE news:

  • Oklahoma Rep. Andy Fugate Proposes Bill to Ban Credit Score Use in Insurance Premiums - Hoodline
    Oklahoma Rep. Andy Fugate Proposes Bill to Ban Credit Score Use in Insurance Premiums  Hoodline
  • ‘I’m afraid.’ I have a student and car loan and two credit cards with around a $15K limit. I had an 800 credit score, but then I paid off my mortgage — and it dropped. What gives? - MarketWatch
    ‘I’m afraid.’ I have a student and car loan and two credit cards with around a $15K limit. I had an 800 credit score, but then I paid off my mortgage — and it dropped. What gives?  MarketWatch
  • Toyota Told Suing Mirai Owners To Stop Making Payments, They're Now Facing Triple-Digit Credit Score Hits - Jalopnik
    Toyota Told Suing Mirai Owners To Stop Making Payments, They're Now Facing Triple-Digit Credit Score Hits  Jalopnik
  • Building your credit? Experts say start with this step - The Independent
    Building your credit? Experts say start with this step  The Independent
  • Should medical debt be allowed to affect your credit score? Proposed bill says no - The Statehouse File
    Should medical debt be allowed to affect your credit score? Proposed bill says no  The Statehouse File
  • Chase Freedom Credit Score: Here's How to Get Approved - The Motley Fool
    Chase Freedom Credit Score: Here's How to Get Approved  The Motley Fool
  • Do Business Credit Cards Affect Your Personal Credit Score? - NerdWallet
    Do Business Credit Cards Affect Your Personal Credit Score?  NerdWallet
  • 6 Smart Ways To Get Approved for Loans and Credit Cards with a Low Credit Score - AOL.com
    6 Smart Ways To Get Approved for Loans and Credit Cards with a Low Credit Score  AOL.com
  • Why Credit Scores Don’t Always Match and Which One Really Matters Most to You - Investopedia
    Why Credit Scores Don’t Always Match and Which One Really Matters Most to You  Investopedia
  • The best personal loans for a credit score of 580 or below - CNBC
    The best personal loans for a credit score of 580 or below  CNBC

RSS THE FED news:

  • Analysis | Trump wants to get rid of the Fed chair. Why a DOJ inquiry has backfired. - The Washington Post
    Analysis | Trump wants to get rid of the Fed chair. Why a DOJ inquiry has backfired.  The Washington Post
  • Will the Supreme Court let Trump take control of the Fed? - USA Today
    Will the Supreme Court let Trump take control of the Fed?  USA Today
  • The Fed After Jerome Powell: Who Could Drive Rate Cuts in 2026? - Norada Real Estate Investments
    The Fed After Jerome Powell: Who Could Drive Rate Cuts in 2026?  Norada Real Estate Investments
  • The Fed’s Supreme Court Moment - The New York Sun
    The Fed’s Supreme Court Moment  The New York Sun
  • A United Front at the Fed and in Israel - Bloomberg.com
    A United Front at the Fed and in Israel  Bloomberg.com
  • As penny shortage ripples, the Fed said they are accepting penny deposits - The Providence Journal
    As penny shortage ripples, the Fed said they are accepting penny deposits  The Providence Journal

RSS EXPERIAN news:

  • The surprising reason over-50s are still Australia's safest bet for banks - thesenior.com.au
    The surprising reason over-50s are still Australia's safest bet for banks  thesenior.com.au
  • Experian stock in focus as dividend FX rate set ahead of Jan. 21 update - TechStock²
    Experian stock in focus as dividend FX rate set ahead of Jan. 21 update  TechStock²
  • Experian Sets Sterling Rate and Tax Terms for First Interim Dividend - TipRanks
    Experian Sets Sterling Rate and Tax Terms for First Interim Dividend  TipRanks

RSS Equifax news:

  • Massachusetts Financial Services Co. MA Reduces Position in Equifax, Inc. $EFX - MarketBeat
    Massachusetts Financial Services Co. MA Reduces Position in Equifax, Inc. $EFX  MarketBeat
  • A Look At Equifax (EFX) Valuation After Mar Vista Exit And FICO Credit Score Shift - Yahoo Finance
    A Look At Equifax (EFX) Valuation After Mar Vista Exit And FICO Credit Score Shift  Yahoo Finance
  • Equifax Market Pulse Index Indicates Improved Financial Progress Among Consumers within Lower Credit Tiers - PR Newswire
    Equifax Market Pulse Index Indicates Improved Financial Progress Among Consumers within Lower Credit Tiers  PR Newswire

RSS CREDIT CARDS news:

  • Couple with $172K in debt uses credit cards to buy groceries — here’s the 1 mistake Dave Ramsey says is the root of their woes - MSN
    Couple with $172K in debt uses credit cards to buy groceries — here’s the 1 mistake Dave Ramsey says is the root of their woes  MSN
  • We Compared 100+ Credit Cards -- These Are Our Top 3 Amex Picks for 2026 - The Motley Fool
    We Compared 100+ Credit Cards -- These Are Our Top 3 Amex Picks for 2026  The Motley Fool
  • Trump launches reckless war on credit cards - Washington Examiner
    Trump launches reckless war on credit cards  Washington Examiner
  • Longest 0% Intro APR Credit Cards This Week, Jan. 18, 2026: A Fresh Start Without the Interest - The Motley Fool
    Longest 0% Intro APR Credit Cards This Week, Jan. 18, 2026: A Fresh Start Without the Interest  The Motley Fool
  • It may come down to Trump using political pressure to force banks to cap interest rates on credit cards - Fortune
    It may come down to Trump using political pressure to force banks to cap interest rates on credit cards  Fortune
  • Dave Ramsey Says Let Your Kids 'Cut' Up Your Credit Cards So They 'Won't Ask to Use Them' - Benzinga
    Dave Ramsey Says Let Your Kids 'Cut' Up Your Credit Cards So They 'Won't Ask to Use Them'  Benzinga
  • ‘I’m afraid.’ I have a student and car loan and two credit cards with around a $15K limit. I had an 800 credit score, but then I paid off my mortgage — and it dropped. What gives? - MarketWatch
    ‘I’m afraid.’ I have a student and car loan and two credit cards with around a $15K limit. I had an 800 credit score, but then I paid off my mortgage — and it dropped. What gives?  MarketWatch
  • Bilt's new credit cards will feature 10% interest rate - Toledo Blade
    Bilt's new credit cards will feature 10% interest rate  Toledo Blade
  • Rack Up Cash Back and Travel Rewards: The Best Credit Cards This Week, Jan. 17, 2026 - The Motley Fool
    Rack Up Cash Back and Travel Rewards: The Best Credit Cards This Week, Jan. 17, 2026  The Motley Fool
  • Trump Falls On Credit Cards: Wall Street In Worry.. - Great Andhra
    Trump Falls On Credit Cards: Wall Street In Worry..  Great Andhra

RSS Transunion news:

  • TransUnion $TRU Shares Sold by Massachusetts Financial Services Co. MA - MarketBeat
    TransUnion $TRU Shares Sold by Massachusetts Financial Services Co. MA  MarketBeat
  • New York State Teachers Retirement System Takes $5.97 Million Position in TransUnion $TRU - MarketBeat
    New York State Teachers Retirement System Takes $5.97 Million Position in TransUnion $TRU  MarketBeat
  • State of Alaska Department of Revenue Buys Shares of 20,925 TransUnion $TRU - MarketBeat
    State of Alaska Department of Revenue Buys Shares of 20,925 TransUnion $TRU  MarketBeat

RSS SOCIAL SECURITY news:

  • This Is the Average Social Security Benefit for Age 67 - The Motley Fool
    This Is the Average Social Security Benefit for Age 67  The Motley Fool
  • Wait Until 70 and Your Social Security Benefit Jumps to $2,500 a Month - 24/7 Wall St.
    Wait Until 70 and Your Social Security Benefit Jumps to $2,500 a Month  24/7 Wall St.
  • Changing times: How Social Security has evolved - Dallas News
    Changing times: How Social Security has evolved  Dallas News
  • I'm Not Counting on Social Security COLAs to Carry Me Through Retirement. Here's What I'm Doing to Combat Inflation Instead. - The Motley Fool
    I'm Not Counting on Social Security COLAs to Carry Me Through Retirement. Here's What I'm Doing to Combat Inflation Instead.  The Motley Fool
  • Social Security is sending out benefits on Wednesday, January 21: here’s who gets paid - Diario AS
    Social Security is sending out benefits on Wednesday, January 21: here’s who gets paid  Diario AS

RSS CREDIT REPORT news:

  • When a credit report can hurt your chances of being hired - CNN
    When a credit report can hurt your chances of being hired  CNN
  • Equifax Business Credit Report: What It Is, How to Use It - NerdWallet
    Equifax Business Credit Report: What It Is, How to Use It  NerdWallet
  • Influencers are pushing this illegal trick to “fix” your credit report - Consumer Advice | Federal Trade Commission (.gov)
    Influencers are pushing this illegal trick to “fix” your credit report  Consumer Advice | Federal Trade Commission (.gov)
  • MBA Calls for Single Credit Report for a Mortgage If Your Credit Score is 700+ - The Truth About Mortgage
    MBA Calls for Single Credit Report for a Mortgage If Your Credit Score is 700+  The Truth About Mortgage
  • How To Get a Free Credit Report [Experian, Equifax, TransUnion] - Upgraded Points
    How To Get a Free Credit Report [Experian, Equifax, TransUnion]  Upgraded Points
  • Your credit report goes weekly: What RBI’s new rules mean for EMIs, cards and loans - Times of India
    Your credit report goes weekly: What RBI’s new rules mean for EMIs, cards and loans  Times of India
  • Millions Affected by Massive Credit Report Data Breach - tech.co
    Millions Affected by Massive Credit Report Data Breach  tech.co
  • 4 common credit report errors that drop your score and trigger loan rejection - Mint
    4 common credit report errors that drop your score and trigger loan rejection  Mint
  • Pennymac TPO waives $99 credit report fee for December POWER+ loans - HousingWire
    Pennymac TPO waives $99 credit report fee for December POWER+ loans  HousingWire
  • Rising credit report fees prompt upfront mortgage charges - HousingWire
    Rising credit report fees prompt upfront mortgage charges  HousingWire

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