Credit Cards

[Brian_Trying_700]

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.

[Duncanrr]

Yes.But you have to unfreeze them I think

[bichonmom]

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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.

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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.

http://www.experian.com/consumer/security_freeze.html

[Brian_Trying_700]

@ 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. . Thanks again, Brian