**DEFINITION** A "credit freeze" is a free security lock you place on your credit report at each bureau (Experian, Equifax, TransUnion) It blocks most new credit pulls, which stops thieves from opening loans/credit cards in your name. ✅ It does NOT hurt your credit score. ✅ It does NOT affect cards/accounts you already have. ✅ It does protect you + it's FREE ⚠️ It can block YOU from getting approved for a new credit card until you lift it (you can lift it temporarily or schedule a “thaw” it's super easy, I'll give you the free links). **VALIDATION** The credit bureaus themselves state: - Freezes limit access to your report, protect your scores, and can be lifted in real time online - A freeze at one bureau doesn’t auto freeze the others — you must do all (3) three separately - Existing lenders can still review your file for account management, but NO pulls can be made **ACTIONABLE VALUE** If you’re in this community, a freeze is a smart credit and success habit since it easily: - Protects your identity (especially after breaches) - Prevents surprise accounts from being opened in your name - Keeps your credit clean so you can get approvals when you choose - Gives you control - you thaw it / unlock it only when you’re applying ✅ GO DO THIS NOW (takes 5 minutes) - Freeze Experian - Freeze Equifax - Freeze TransUnion 🔴 ALL (3) CREDIT "FREEZE" LINKS 🔴 (bookmark these) ❄️ TRANSUNION: 👉 https://www.transunion.com/credit-freeze ❄️ EQUIFAX: 👉 https://www.equifax.com/personal/credit-report-services/credit-freeze/ ❄️ EXPERIAN: 👉 https://www.experian.com/help/credit-freeze/ _______________________________________________________________ FAQs (so you don’t get stuck) Q: Will this mess up my current credit cards? A: No. Your current accounts still work normally.

Hey Team, I paid for credit repair yesterday and got the rundown on what I need for funding—no inquiries¹, low utilization², two-year credit age minimum³, and $10,000 in personal credit limit access⁴. That last one stuck with me... 🤔 Can you send me the exact written policy or lender guideline that says $10K personal access is required? I checked the site, Skool group, and your videos—no mention of it anywhere. Is this a hard rule from your partners, or just a suggestion? If it's not mandatory, I'd like to know so I'm not spending extra time or money chasing something optional. Appreciate the straight answer—thanks. Tait