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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
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I need a refresher !!!!!! HP

CLI's if your credit reports are on freeze. For instance if I have Barclay card and ask for a CLI... Which I'm not. Can they still perform a H.P.

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Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
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Re: I need a refresher !!!!!! HP

[ Edited ]
Yes.But you have to unfreeze them I think


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
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bichonmom
Posts: 3,318
Registered: ‎05-05-2011
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Re: I need a refresher !!!!!! HP


Brian_Trying_700 wrote:

CLI's if your credit reports are on freeze. For instance if I have Barclay card and ask for a CLI... Which I'm not. Can they still perform a H.P.


AFAIK no one can take a HP while your credit is frozen. But current creditors can take a sp. That said, there do appear to be exceptions. And a credit freeze won't stop CAs from doing HP or sp. 

 

 

Heres an excerpt from EX site/:

 

A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.

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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!

Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
0

Re: I need a refresher !!!!!! HP

[ Edited ]

@ bichonmom  I want to thank you for your fast reply along with your great knowledge. You have helped myself and many others on this forum. I just wanted to say thank you. I would vote you bichonmom  MOD. :smileyhappy:. Thanks again, Brian

 

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