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I need a refresher !!!!!! HP

Frequent Contributor

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.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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Valued Contributor

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

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)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 2 of 4
Senior Contributor

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!

Message 3 of 4
Frequent Contributor

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

@ 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. Smiley Happy. Thanks again, Brian

 

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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