Reply
Valued Member
book1773
Posts: 58
Registered: ‎06-26-2011
0

Can you apply for credit with a Freeze on all CRA?

 

I was wondering if you put a credit freeze on all CRA can you still apply

for credit without them pulling a hard inquiry?

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: Can you apply for credit with a Freeze on all CRA?

You can apply, but they won't approve you if they can't see the CR.

Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Can you apply for credit with a Freeze on all CRA?


llecs wrote:

You can apply, but they won't approve you if they can't see the CR.


+1

 

 

Contributor
MAstudent07
Posts: 117
Registered: ‎05-20-2009
0

Re: Can you apply for credit with a Freeze on all CRA?

The posters are absolutely right. I applied for a Citi TY card, but could not be approved as my CR's are frozen. I guess I should have asked first as you did. :smileywink:

-------------------------------------------------------------------------------------------------
EQ: 797
TU: 782
-------------------------------------------------------------------------------------------------
Regular Contributor
unlucky_hove
Posts: 148
Registered: ‎05-21-2010
0

Re: Can you apply for credit with a Freeze on all CRA?

Its amazing how many people freeze thier reports without a full understanding of what its intended for. When a freeze is in place no one, except current creditors, can pull your full report without you giving consent to do so.

Valued Contributor
clocktick
Posts: 1,604
Registered: ‎12-07-2008
0

Re: Can you apply for credit with a Freeze on all CRA?

Does each CRA give you a password to give to ones you want to view your credit?  Just curious.  Also, if you opt out of receiving credit offers (like I had done years ago until recently), can they/would they bother to check your CRs?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Regular Contributor
unlucky_hove
Posts: 148
Registered: ‎05-21-2010
0

Re: Can you apply for credit with a Freeze on all CRA?


clocktick wrote:

Does each CRA give you a password to give to ones you want to view your credit?  Just curious.  Also, if you opt out of receiving credit offers (like I had done years ago until recently), can they/would they bother to check your CRs?



You have two options.....either you can unfreeze it for a specific time frame or you can unlock it for a specific party. If you choose to unfreeze it for a specific party (creditor) they give you a code to supply the creditor to view the CR. There is no code generated when you unlock it for a specific date range because any creditor can view the CR when its unlocked in this manner.  In regards to your second question, I'm not real sure what you are asking.......maybe someone else will


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}