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Established Contributor
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012

Credit Freeze and Amex

I just want to make sure I understand this...

If I freeze my reports, SPs still go through, correct? So when I request my 61-day CLI with Amex, there should be no problem pulling my report and hopefully getting approved?

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (7/13/14): TU 675 | EX 605 | EQ 631
Goals: 680 across the board by 3/2015. Credit freeze x 3 on 10/16/13. Inqs - EX(31➡️29); EQ(36➡️34); TU(27➡️24)... Last app 7/13/14 for auto loan...Scores are WAY down for high utilization and inquiries. gardening now!
*** Homeowner 9/27/13***
Community Leader
Senior Contributor
myjourney
Posts: 25,246
Registered: ‎02-07-2013

Re: Credit Freeze and Amex


Ravensfan2001 wrote:
I just want to make sure I understand this...

If I freeze my reports, SPs still go through, correct? So when I request my 61-day CLI with Amex, there should be no problem pulling my report and hopefully getting approved?

Yes to SP's and any creditors that you currently have an account with can pull you (permissible permission)

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Last 5 apps 6/6/13

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