CSP instant approval.... with a soft pull? LOL

[ryanbush]

---

@zyzzus wrote:

I froze my reports the other day.  

While at work making a deposit to my account a cowork told me i had a pre-approval I asked which one and just parking lotted it.

Decided today to bite the bullet and it was instantly approved for 5k which surprised the hell out of me. 

Just backdoored exp which is what was pulled and I see a soft from last month but no hard inq.  Ill update I laughed so hard when she told me I was instantly approved. 

---

Just as FYI if you already had a Chase account they can HP you even with your CRAs frozen.  that just my experience though, I would check your report just to make sure.

[myjourney]

Congrats on your success

[Rhaeny]

Congrats!!!

Awesome CL with an sp!!

[LS2982]

---

@zyzzus wrote:

I froze my reports the other day.  

While at work making a deposit to my account a cowork told me i had a pre-approval I asked which one and just parking lotted it.

Decided today to bite the bullet and it was instantly approved for 5k which surprised the hell out of me. 

Just backdoored exp which is what was pulled and I see a soft from last month but no hard inq.  Ill update I laughed so hard when she told me I was instantly approved. 

---

Sounds like your EX file may not be froze after all.

[ryanbush]

---

@LS2982 wrote:

---

@zyzzus wrote:

I froze my reports the other day.  

While at work making a deposit to my account a cowork told me i had a pre-approval I asked which one and just parking lotted it.

Decided today to bite the bullet and it was instantly approved for 5k which surprised the hell out of me. 

Just backdoored exp which is what was pulled and I see a soft from last month but no hard inq.  Ill update I laughed so hard when she told me I was instantly approved. 

---

Sounds like your EX file may not be froze after all.

---

You would know better than anyone, can't they still pull your CR if you have an account with them... even if they're frozen.

[LS2982]

---

@ryanbush wrote:

---

@LS2982 wrote:

---

@zyzzus wrote:

I froze my reports the other day.  

While at work making a deposit to my account a cowork told me i had a pre-approval I asked which one and just parking lotted it.

Decided today to bite the bullet and it was instantly approved for 5k which surprised the hell out of me. 

Just backdoored exp which is what was pulled and I see a soft from last month but no hard inq.  Ill update I laughed so hard when she told me I was instantly approved. 

---

Sounds like your EX file may not be froze after all.

---

You would know better than anyone, can't they still pull your CR if you have an account with them... even if they're frozen.

---

AFAIK Nope. They can pull SP but no HP if you have a full freeze on your report. Fraud alert they can.

I know for sure any new apps whether your a current carholder or not they cant HP without it being lifted. 99% positive they cant on AR's either.

[zyzzus]

I'll double check everything tomorrow.  

Looked at exp backdoor and it says i have a freeze and i was billed.  I am about 90% sure i have no inq and an approval.  I'll let ya'll know.

[ryanbush]

---

@zyzzus wrote:

I'll double check everything tomorrow.  

Looked at exp backdoor and it says i have a freeze and i was billed.  I am about 90% sure i have no inq and an approval.  I'll let ya'll know.

---

Cool.. let us know, fingers crossed for ya...

[zyzzus]

NO HARD PULL ON EXP.

I am debating now if I should request a CLI as I thought I was going to get a hard pull and didn't get one.

[ryanbush]

---

@zyzzus wrote:

NO HARD PULL ON EXP.

I am debating now if I should request a CLI as I thought I was going to get a hard pull and didn't get one.

---

I would wait a couple of days, sometimes it takes inquiries a while to show up on your report.  I would hate for you to get 2 HPs unkowningly.