Regular Contributor
Posts: 171
Registered: ‎03-11-2009


Question:  I applied for Capital one, and noticed that they pulled exp and equifax.  My Tu was on freeze.  Do they have to review my TU before making a decision?  should i unfreeze it?


I called to check status and was told they had to verify my address with me over the phone.  The rep told me she seen an account and then said i mean application, then proceeded to tell me call next week to check status and hopefully they will have some good news for me?


Anyways, i was just wondering about the Tu freeze, if they actually need it to be unfreezed to make a final?







Equifax 657
Experian 711 (Per Lender)
Established Contributor
Posts: 760
Registered: ‎04-30-2007


Capital One will hard all three of your CRBs.  I don't know if they will deny you without access to TU.  A lot of people on here don't like them because apping affects EX, EQ and TU. 
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749

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