Leaderboard

If you enacted the freeze yourself, all you have to do is call the credit reporting agency - you don't have to remove the freeze, all you need is to tell them you are going to be mortgage shopping and to temporarily lift the freeze for 2 weeks. You usually don't want to shop outside of 14 days, all inquiries made in 14 days are counted as just one hard hit against the credit score, in addition all inquiries are suppressed from affecting the score for 30 days. If you need mortgage lender access after the 14 days, maybe just get a pin number from the credit reporting agency for that specific len

Exacly. SOL started in May, probaly. Note, however, SOL is a state by state law. You need to read the actual law to be certain. Nobody uses charge off date, but some do vary by a month or two from last payment.