03-11-2013 07:06 PM
03-11-2013 08:05 PM
True, HP is typically approval but SP is a decline. However they might just be trying to SP you but they can't as it's locked (or does freezing work that way?). Either way good luck and call them soon!
03-11-2013 08:07 PM - edited 03-11-2013 08:08 PM
Your creditors can SP all day long with a freeze. If it was that eazy to hide 90 day lates, every dead beat would do it...
03-11-2013 08:31 PM
03-11-2013 08:41 PM
03-12-2013 09:17 AM
So I granted amex access to my experian report, and afterwards they said to finish my application they would need form 4506-t. I told them to cancel the app. No way I'm providing them that much access to sensitive info, a paystub should suffice. I'm good with my unicorn lol.