Can you freeze reports to manipulate which CCC pulls who?

[FretlessMayhem]

I saw a post earlier about freezing a credit report. My TU is my worst, about 50 points lower than the others. If I put a freeze on it, would they have to pull EX or EQ?

Is this ethical?

It's just something that dawned on me.

[Anonymous]

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FretlessMayhem wrote:
I saw a post earlier about freezing a credit report. My TU is my worst, about 50 points lower than the others. If I put a freeze on it, would they have to pull EX or EQ?

Is this ethical?

It's just something that dawned on me.

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Ethical?  Opinions will vary of course, but I think it pushes the envelope.  In the end that's for you to decide.

It doesn't work for all lenders.  Some will pull an alternative report if the one they want is frozen, and some will simply deny.

[Red1Blue]

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cheddar wrote:

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FretlessMayhem wrote:
I saw a post earlier about freezing a credit report. My TU is my worst, about 50 points lower than the others. If I put a freeze on it, would they have to pull EX or EQ?

Is this ethical?

It's just something that dawned on me.

---

Ethical?  Opinions will vary of course, but I think it pushes the envelope.  In the end that's for you to decide.

It doesn't work for all lenders.  Some will pull an alternative report if the one they want is frozen, and some will simply deny.

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Chances are high that they would decline the app. Most of them used to pull one CR or other CR. The idea of freezing the app is to avoid any malicious activity by others on the CR.

[fused]

I am very familiar with this tactic! Ethics...this is borderline!

[marty56]

While I would not do this myself I know the mortgage companies and car lenders take the middle score. Also I  would guess that for most people, all 3 reports contain the same derog info

I would not do this.  If you have an American Express card or someone who also looks at your CR regularly, that might spook them into canceling your card or lowering your CL.