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Credit Freeze and Amex

Established Contributor

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
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
1 REPLY
Super Contributor

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)

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?