I have a temporary hold on four credit services since one of the recent hacks (Veterans Administration hack if memory serves me correctly).
I would like to buy a daybed. Do I have to temporarily lift the holds on all credit agencies? Only one or two? Which ones should I pick?
And why am I having a near impossible time finding anyplace that deals with layaways anymore? Figured that if I bought a bed on layaway that would make the credit check problem with the present hold moot and unnecessary.
Ask the seller which CRA (credit reporting agency) they check. Choices are Equifax, Experian, and TransUnion for personal credit (for business credit, just swap TransUnion for Dun & Bradstreet). So you may be able to get away with only one temporary lift.
I recall Home Depot only wanted one (I think that one was TU but it's been several months so I'm unsure).