{"title":"Credit freeze vs lock","description":"\u003cp\u003eA credit freeze restricts most new-credit access to your file at a bureau. A lock is usually a product from a bureau or a monitoring company. They are not the same thing. A freeze does not raise a score.\u003c\/p\u003e\u003cp\u003eThis page stays short on purpose. The kit below is the checklist for the rest of the file work you do yourself — disputes, tracking, and what you send. No score promise.\u003c\/p\u003e","products":[{"product_id":"the-credit-attack-kit","title":"The Credit Attack Kit","description":"\u003cdiv style=\"margin:0 0 1.15rem;padding:1rem 1.1rem;border:1px solid #F2D01D;border-radius:16px;\"\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003e\u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eInstant PDF.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003e\u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003e30 days\u003c\/span\u003e to change your mind. You keep the files.\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eA \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003efree 15-minute call\u003c\/span\u003e with Yordan.\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eShop Pay, PayPal, and cards.\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eNothing ships. The file lands in the email you use at checkout.\u003c\/p\u003e\n\u003c\/div\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eWant the whole path?\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003e\u003ca href=\"\/products\/complete-credit-bundle\"\u003eThe complete credit bundle\u003c\/a\u003e is \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003e$34.97\u003c\/span\u003e instead of $49.91.\u003c\/p\u003e\u003cp class=\"pmh-grad\" style=\"margin:1.2rem 0 0.4rem;font-size:1.22rem;line-height:1.28;font-weight:400 !important;letter-spacing:-0.015em;width:fit-content;max-width:100%;font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eReal page from inside the kit\u003c\/p\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0835\/9179\/0847\/files\/credit-attack-kit-sample-real.png?v=1787794749\" alt=\"Real page from The Credit Attack Kit showing the recommended order for attacking credit report errors.\" style=\"margin:0.35rem 0 0.7rem;max-width:100%;height:auto;border-radius:14px;display:block;\"\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eThis is an actual page from the guide.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eThe attack order. How to send letters. What to track next.\u003c\/p\u003e\u003chr style=\"margin:1.05rem 0;border:0;border-top:1px solid rgba(245,185,66,0.28);\"\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eYour credit report is probably wrong somewhere.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eYou just haven't looked.\u003c\/p\u003e\u003cp class=\"pmh-grad\" style=\"margin:1.2rem 0 0.4rem;font-size:1.22rem;line-height:1.28;font-weight:400 !important;letter-spacing:-0.015em;width:fit-content;max-width:100%;font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eWhat's inside\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003e\u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003e50+ attack letters\u003c\/span\u003e for collections, charge-offs, late marks, and more.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eThe \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003e90-day attack plan\u003c\/span\u003e, week by week.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eHow to read your report like a pro.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003e\u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003e4 printable trackers\u003c\/span\u003e so you always know where every fight stands.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eThe business funding ladder, for owners only.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eA \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003efree 15-minute call\u003c\/span\u003e with Yordan. Bring your report.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003e\u003ca href=\"https:\/\/cal.com\/yordan-marin-yg5qcz\"\u003eBook after you buy\u003c\/a\u003e.\u003c\/p\u003e\u003cp class=\"pmh-grad\" style=\"margin:1.2rem 0 0.4rem;font-size:1.22rem;line-height:1.28;font-weight:400 !important;letter-spacing:-0.015em;width:fit-content;max-width:100%;font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eWhat clients say\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eReal reviews from plant money habits clients.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eThis store sells DIY guides you use yourself.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eResults vary. No score is promised.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;padding:0.85rem 1rem;border-left:3px solid #F2D01D;background:rgba(242,208,29,0.08);border-radius:0 14px 14px 0;\"\u003e\u003cspan style=\"color:#F2D01D !important;font-weight:800 !important;letter-spacing:0.08em;\"\u003e★★★★★\u003c\/span\u003e \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eDean\u003c\/span\u003e\u003cspan style=\"opacity:0.72;\"\u003e, Easton, PA\u003c\/span\u003e\u003cbr\u003e“My credit improved fast. My budget is clearer and more manageable, and I 100% recommend them.”\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;padding:0.85rem 1rem;border-left:3px solid #F2D01D;background:rgba(242,208,29,0.08);border-radius:0 14px 14px 0;\"\u003e\u003cspan style=\"color:#F2D01D !important;font-weight:800 !important;letter-spacing:0.08em;\"\u003e★★★★★\u003c\/span\u003e \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eAdelina\u003c\/span\u003e\u003cspan style=\"opacity:0.72;\"\u003e, Bethlehem, PA\u003c\/span\u003e\u003cbr\u003e“Thank God for Yordan and the team. Our dream of owning a house is going to become a reality pretty soon.”\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;padding:0.85rem 1rem;border-left:3px solid #F2D01D;background:rgba(242,208,29,0.08);border-radius:0 14px 14px 0;\"\u003e\u003cspan style=\"color:#F2D01D !important;font-weight:800 !important;letter-spacing:0.08em;\"\u003e★★★★★\u003c\/span\u003e \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eRamon\u003c\/span\u003e\u003cspan style=\"opacity:0.72;\"\u003e, Allentown, PA\u003c\/span\u003e\u003cbr\u003e“Nothing I did on my own helped. Then I contacted Yordan and everything moved fast. He even showed me how to handle my cards.”\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;padding:0.85rem 1rem;border-left:3px solid #F2D01D;background:rgba(242,208,29,0.08);border-radius:0 14px 14px 0;\"\u003e\u003cspan style=\"color:#F2D01D !important;font-weight:800 !important;letter-spacing:0.08em;\"\u003e★★★★★\u003c\/span\u003e \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eYadira\u003c\/span\u003e\u003cspan style=\"opacity:0.72;\"\u003e, Miami, FL\u003c\/span\u003e\u003cbr\u003e“Identity theft was blocking me from buying my house. They cleaned it up and got me moving toward my home again.”\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eMore reviews on the \u003ca href=\"\/pages\/about\"\u003eAbout\u003c\/a\u003e page.\u003c\/p\u003e\u003cp class=\"pmh-grad\" style=\"margin:1.2rem 0 0.4rem;font-size:1.22rem;line-height:1.28;font-weight:400 !important;letter-spacing:-0.015em;width:fit-content;max-width:100%;font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eBeing straight with you\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eNo score promises.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eWe don't remove things that are true, current, and correctly reported.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eYour rights are \u003cspan class=\"pmh-grad\" style=\"font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003efree\u003c\/span\u003e.\u003c\/p\u003e\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eYou pay for the organized system and the time you don't spend figuring it out alone.\u003c\/p\u003e\n\u003cdiv class=\"pmh-seo-faq\"\u003e\n\u003cp class=\"pmh-grad\" style=\"margin:1.2rem 0 0.4rem;font-size:1.22rem;line-height:1.28;font-weight:400 !important;letter-spacing:-0.015em;width:fit-content;max-width:100%;font-weight:800 !important;background:linear-gradient(135deg,#F2D01D 0%,#F79460 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;\"\u003eQuestions people ask\u003c\/p\u003e\n\u003cp style=\"margin:0.85rem 0 0.2rem;font-weight:700 !important;line-height:1.35;\"\u003eHow long does a bureau have to investigate?\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eUnder the FCRA, a consumer reporting agency generally has 30 days to investigate a complete dispute. That is an investigation timeline, not a promise that anything will be deleted.\u003c\/p\u003e\n\u003cp style=\"margin:0.85rem 0 0.2rem;font-weight:700 !important;line-height:1.35;\"\u003eWhere do I get free weekly reports?\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eAnnualCreditReport.com is the official site for free weekly credit reports from the nationwide bureaus. You do not have to buy a score to see the file.\u003c\/p\u003e\n\u003cp style=\"margin:0.85rem 0 0.2rem;font-weight:700 !important;line-height:1.35;\"\u003eIs a goodwill letter a right?\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eNo. A goodwill letter is a courtesy request. The furnisher can say no. Inaccurate or incomplete information is a dispute, not a goodwill ask.\u003c\/p\u003e\n\u003cp style=\"margin:0.85rem 0 0.2rem;font-weight:700 !important;line-height:1.35;\"\u003eDoes a freeze raise a score?\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eNo. A credit freeze restricts most new-credit access to your file. It does not raise a score.\u003c\/p\u003e\n\u003cp style=\"margin:0.85rem 0 0.2rem;font-weight:700 !important;line-height:1.35;\"\u003eDoes this kit delete items or raise my score?\u003c\/p\u003e\n\u003cp style=\"margin:0 0 0.48rem;font-weight:400 !important;line-height:1.45;\"\u003eNo. The kit is a checklist and letter templates so you can do the work yourself. Accurate, current, correctly reported information can stay on a report.\u003c\/p\u003e\n\u003c\/div\u003e","brand":"pmh","offers":[{"title":"Default Title","offer_id":49046137798911,"sku":"KIT-EN","price":9.97,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0835\/9179\/0847\/files\/kit-en.jpg?v=1787874238"}],"url":"https:\/\/store.plantmoneyhabits.com\/collections\/credit-freeze-vs-lock.oembed","provider":"plant money habits","version":"1.0","type":"link"}