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Regular Contributor
Posts: 204
Registered: ‎02-08-2013
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CLI for Paypal master card with Credit Freeze in place

I called GE Paypal credit card services number "8005282334" to request a CLI on my Paypal extra master card. Credit analyst took my basic info and confirmed me it will be a softpul for the CLI request. She put me hold for a while and came back and said, she is unable to pull my credit report from Tran Union as I have a freeze in place. 

She asked me to lift the freeze so that they can do a soft pull on my CR. 

 

I am confused here, so far I understand for all GE cards its a softpull and credit freeze on your account does not matter. However call with Paypal card services proved to be wrong, It will be a soft pull on your report, however you should not have a credit freeze on the file. 

 

Can some one confirm on this ? Do I need to remove a freeze to get a CLI on any of my GE cards, even though it is a soft pull or this is very speciifc to Paypal extra master card ? 

 

Please advise.

 

Thank you.

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Mega Contributor
Posts: 16,663
Registered: ‎08-08-2011
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Re: CLI for Paypal master card with Credit Freeze in place

As far as I know and have read current cards you have can do a soft credit check even if frozen. 

Senior Contributor
Posts: 3,611
Registered: ‎01-10-2008
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Re: CLI for Paypal master card with Credit Freeze in place


CardsLifeLine wrote:

I called GE Paypal credit card services number "8005282334" to request a CLI on my Paypal extra master card. Credit analyst took my basic info and confirmed me it will be a softpul for the CLI request. She put me hold for a while and came back and said, she is unable to pull my credit report from Tran Union as I have a freeze in place. 

She asked me to lift the freeze so that they can do a soft pull on my CR. 

 

I am confused here, so far I understand for all GE cards its a softpull and credit freeze on your account does not matter. However call with Paypal card services proved to be wrong, It will be a soft pull on your report, however you should not have a credit freeze on the file. 

 

Can some one confirm on this ? Do I need to remove a freeze to get a CLI on any of my GE cards, even though it is a soft pull or this is very speciifc to Paypal extra master card ? 

 

Please advise.

 

Thank you.


Yes-must remove the freeze on TU, it is typically a SP (except for Carecredit, which is generally a HP).

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Member
Posts: 31
Registered: ‎11-20-2013
0

Re: CLI for Paypal master card with Credit Freeze in place

GE is a strange beast. I recently had the same issue and here's what I learned.

Yes, a current creditor can perform a soft inquiry even though your reports are frozen. But GE can / will not. Nobody knows why.

I had my TU frozen and called for a CLI and even though they (and everybody else) stated it was a soft pull, the analyst said he couldn't access my credit report because it was frozen. So, I unfroze TU while on the phone with him and he was then able to perform the inquiry and grant the CLI. I then promptly refroze TU.

Indeed, it was a soft pull. Not a hard. Strange.

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