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Apping with a freeze in place?

Established Contributor

Apping with a freeze in place?

I am arguing with Equifax over a old entry which I say should have already dropped and they say still has two more months remaining.  Grrrr.  its my last baddie on ANY report at any bureau.  Said Baddie is over 7 years old.

 

My question though is this:

1. I am now as I start this thread, **bleep** paying down all my balances so that they total a whopping 5% across all cards.  (not 5% per card)

 

2.  I want to app for serious cards ala Amex revolver, DIscover It and Chase Freedom.

 

3.  Whats your guy's take on apping with a freeze on one bureau?  (Equifax) 

EDIT:  I am thinking of freezing Equifax to keep the one baddie away from anyone for the next couple months.

 

My current scores :

TU 755

EX  736

EQuifax  685

 

My total util will be below 5% once the last card reports.

Inquiries picture is TU 1  EX 2  Equ 2

 

Thoughts?

 

I am an AU on an amex green, a Discover, a Capone platinum

I my own Cap one and Credit one cards.  

My highest limit card is Discover at 1K but I am just an AU on that one.


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 1 of 15
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New Contributor

Re: Apping with a freeze in place?

I have a freeze on equifax (forgot my pin) and I app'd and got approved for CSP and for Citi Preferred. Score was 712 according to Citi. (Citi pulled Experian). Not sure which report CSP pulled
Starting Scores: Low 500's 2/27/08
Current Scores:Transunion: 700 02/13/15 Experian: 713 02/17/15 Equifax: 736 02/18/15
Goal Score: 770 Across the board!!
Message 2 of 15
Established Contributor

Re: Apping with a freeze in place?

Thanks AyalaZero  Smiley Happy

 

It might just be me being impatient but after cleaning up my credit for the past 8 years, managing all my accounts carefully to insure not lates ever and now getting total util down to under 5%, I really want to try my hand at getting some decent cards with decent limits.

All the pieces are falling into place and I would really like to make a go of it now rather than later if I can.

 


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 3 of 15
Established Contributor

Re: Apping with a freeze in place?

So  is the key to freeze the CA that reports the lowest credit score?  What if the company only pulls from that one? 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 4 of 15
Established Contributor

Re: Apping with a freeze in place?


RSCo wrote:

So  is the key to freeze the CA that reports the lowest credit score?  What if the company only pulls from that one? 


Thats sorta my question.  On the surface it seems like the card company would just say "unfreeze your report for us or we can't give you a card" but then I hear stories of people using freezes to stop a card company from pulling a specific bureau and it works...the card company just pulls from a different bureau. 

 

Anyone else have information to provide on this one?

 

Thanks


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 5 of 15
Regular Contributor

Re: Apping with a freeze in place?

Hardly anyone pulls equifax so it's kind of silly to worry so much about it. It's mainly barclays USAA and a couple others that pull eq. I think you can get by without the freeze but that's just my opinion.



Message 6 of 15
Established Contributor

Re: Apping with a freeze in place?

Cool thanks! Smiley Happy


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 7 of 15
Established Contributor

Re: Apping with a freeze in place?

If a CC needs the use of the frozen bureau they will call to ask you to unfreeze it.

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Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


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Message 8 of 15
Established Contributor

Re: Apping with a freeze in place?

Thanks dodgeball. This is what I am seeing from other threads on the subject As well. 


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 9 of 15
Moderator Emeritus

Re: Apping with a freeze in place?


Johnny_Favorite wrote:
Hardly anyone pulls equifax so it's kind of silly to worry so much about it. It's mainly barclays USAA and a couple others that pull eq. I think you can get by without the freeze but that's just my opinion.

Barclays usually pulls TU.  Discover just pulled EQ for me and the DW.  Many CUs also pull EQ.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 15