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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Chase app with credit freeze

I have a credit freeze on all 3 CRAs. I'm thinking about apping for a Chase and don't know the best way to go about it. When I called Chase they told me that I would need to unfreeze ALL 3 CRAs! That doesn't sound right to me, especially since it's $10 a pop. I asked them if I could app and then unfreeze a single CRA, and they said no.

 

I'd appreciate knowing what others have done in this instance. Do you unfreeze all 3? Or do you unfreeze one? Or do you just app w/all 3 frozen and then unfreeze one that they ask you to?

 

Just a note: I am NOT trying to get them to pull any CRA in particular. I just don't want to have to go through the trouble and expense to unfreeze all 3 if it's not necessary.

 

Thanks! :smileyhappy:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Chase app with credit freeze


bichonmom wrote:

I have a credit freeze on all 3 CRAs. I'm thinking about apping for a Chase and don't know the best way to go about it. When I called Chase they told me that I would need to unfreeze ALL 3 CRAs! That doesn't sound right to me, especially since it's $10 a pop. I asked them if I could app and then unfreeze a single CRA, and they said no.

 

I'd appreciate knowing what others have done in this instance. Do you unfreeze all 3? Or do you unfreeze one? Or do you just app w/all 3 frozen and then unfreeze one that they ask you to?

 

Just a note: I am NOT trying to get them to pull any CRA in particular. I just don't want to have to go through the trouble and expense to unfreeze all 3 if it's not necessary.

 

Thanks! :smileyhappy:

 


Just app for it, when it comes back declined recon it and whatever bureau they tell you is frozen unfreeze it while on the line with CSR an then they'll make their decision. Keep in mind they may ask to have others unfroze as well.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Chase app with credit freeze

[ Edited ]

bichonmom wrote:

I have a credit freeze on all 3 CRAs. I'm thinking about apping for a Chase and don't know the best way to go about it. When I called Chase they told me that I would need to unfreeze ALL 3 CRAs! That doesn't sound right to me, especially since it's $10 a pop. I asked them if I could app and then unfreeze a single CRA, and they said no.

 

I'd appreciate knowing what others have done in this instance. Do you unfreeze all 3? Or do you unfreeze one? Or do you just app w/all 3 frozen and then unfreeze one that they ask you to?

 

Just a note: I am NOT trying to get them to pull any CRA in particular. I just don't want to have to go through the trouble and expense to unfreeze all 3 if it's not necessary.

 

Thanks! :smileyhappy:

 


depending on the area you are in, you can check credit pull database to see which bureau they pull most often in your state. unfreeze that, and apply. if they need you to unfreeze the other(s) later on, then do it i suppose. you got to unfreeze one at least afterall :smileytongue:

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Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
0

Re: Chase app with credit freeze

I would app as well. I wanted an increase with my freedom and had eq frozen. They refused to pull anything else for me so I called EO. They softed eq and gave me my increase....Plus I bet you are a shoe in for any chase product. Good to see you posting again!!!

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Chase app with credit freeze

Thank you for the replies. I'll app and see what happens.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Moderator
09Lexie
Posts: 26,656
Registered: ‎09-13-2012
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Re: Chase app with credit freeze


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