wahoo 3 cli's from major banks all with soft pulls!

[flowfaster]

I requested cli's online for my FIA Fidelity Amex, BoA Travel Rewards and US Bank Cash+.   I have all 3 reports frozen and decided to go for it.  All 3 were approved the next day.  Just wanted to give a heads up that it is possible to get CLI online with these lenders without a hard pull.

I thought BoA would turn me down because I requested one with my FIA account(same lender) and got the call in message.  Then I tried BoA and got the 7-10 day excuse.  But low and behold all were approved in 1-2 days without a phone call.

[Epcot]

Congrats on the increases!

[zyzzus]

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@flowfaster wrote:

I requested cli's online for my FIA Fidelity Amex, BoA Travel Rewards and US Bank Cash+.   I have all 3 reports frozen and decided to go for it.  All 3 were approved the next day.  Just wanted to give a heads up that it is possible to get CLI online with these lenders without a hard pull.

I thought BoA would turn me down because I requested one with my FIA account(same lender) and got the call in message.  Then I tried BoA and got the 7-10 day excuse.  But low and behold all were approved in 1-2 days without a phone call.

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I don't know why I never thought about freezing accounts and then requesting CLI!

What a great idea I am going to work on that this week.  Its a bummer to pay to freeze/unfreeze.  C'est la vi.

[09Lexie]

Congrats!

[ibmrad7]

I was under the impression that lender can still do a HP on your account if you have its product and even though your reports are frozen.

[zyzzus]

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@ibmrad7 wrote:

I was under the impression that lender can still do a HP on your account if you have its product and even though your reports are frozen.

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this is probably true and why I hadn't tried it to begin with

[YahComb]

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@ibmrad7 wrote:

I was under the impression that lender can still do a HP on your account if you have its product and even though your reports are frozen.

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supposedly they can, but it seems to happen pretty rarely-they will usually ask you to unfreeze or just deny you because they coudn't pull.

[myjourney]

Congrats

[shorrttyycm1]

Congrats!!!

[flowfaster]

Thanks everyone!

I have heard that too but I have never had a current (credit card) lender hard pull me with frozen reports.  I wanted to freeze my reports to make me think twice before apping and to request guilt free CLIs! 

In fact I will ask.  Has anyone ever taken a hard pull with frozen reports for a credit card related thing?