GE Money/ Locked CR/ Interesting

[Changingmantra]

A week ago I tried to get CLIs.  I got one from Walmart then denied for my other GE accounts.

Odd thing 1.

I got several letters telling me I was denied because of my Equifax report.

I even got a letter explaining why I was denied an increase for Walmart, which I had not been.  The Walmart letter said I was denied for insufficient experience at my current credit line.  OoooooK, mind you.. they gave me a $75.00 CLI

Really Odd thing 2

Tonight, after applying for a Best Buy account, I found out that my Equifax report had been locked since this summer when I canceled the service.  How then did GE based a CLI decision on a locked CR?

[wmarat]

What do you mean by locked?

If you mean frozen, then current creditor is allowed to see your report.

[Changingmantra]

Thanks,

Then that makes sense. You can have your credit report locked to keep any ole shmo from requesting a credit report on you.  I guess it all makes sense, if what you are saying is true, that even with the lock GE would be able to access my Equifax report.

[wmarat]

That's correct

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@Changingmantra wrote:

Thanks,

Then that makes sense. You can have your credit report locked to keep any ole shmo from requesting a credit report on you.  I guess it all makes sense, if what you are saying is true, that even with the lock GE would be able to access my Equifax report.

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[Anonymous]

If you did cancell your EQ montering service over the summer it became unlocked the minute you cancelled your service.

[Changingmantra]

It was locked when I called Equifax last night.  I had it temporarily unlocked.