Credit Cards

[minimock]

Well my friends, it appears the days when you could get a CLI with a freeze on your reports are over

I know that it was difficult in the past, but now it seems impossible.

Tried 6 months past the last request with Barclay's, CITI, Discover, BOA and Chase.......No go. All request an Un Freeze.

Well Barclays isnt a for sure no, it is the 48 hour deal, probably a no,

It isnt all bad I guess, got to request 5 and no HP

[Cleanmachine]

With all due respect, why would you place a Freeze on your Credit Reports???

Where you a victim of Credit Card Fraud???

Placing a Freeze on your credit report is not 100% guarantee that your reports would not be compromised.

[minimock]

It is common practice for deployed personel to freeze their reports.

So it is a value if you can get periodic CLI's without having to unfreeze them.

[melbaro]

To avoid a HP.

To deter you from app itch.

To protect you from "drapping"

[minimock]

I supose that too lol

[rootpooty]

Your current creditor can still HP you with a freeze in place.

The sole purpose of a freeze was for prevention of credit being obtained in your name in the event of identity theft.

Its purpose is not to avoid hp's when seeking more credit

[CS800]

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rootpooty wrote:
Your current creditor can still HP you with a freeze in place.

The sole purpose of a freeze was for prevention of credit being obtained in your name in the event of identity theft.

Its purpose is not to avoid hp's when seeking more credit

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Not totally accurate.

All my reports are frozen. I did a CLI request to Chase, BOA, Barclays and even while doing my refi with NFCU. All of them came back and told me that I should unfreeze my reports.

But, I still get my FICO's from PSECU, DCU and Walmart monthly. So they are doing SP's fine.

[minimock]

All I said was it was a side benefit of having your reports frozen.

It is a pain to freeze and unfreeze them, just for a CLI

If a creditor will give you a CLI without unfreezing them, so much the better.

[rootpooty]

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CS800 wrote:

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rootpooty wrote:
Your current creditor can still HP you with a freeze in place.

The sole purpose of a freeze was for prevention of credit being obtained in your name in the event of identity theft.

Its purpose is not to avoid hp's when seeking more credit

---

Not totally accurate.

All my reports are frozen. I did a CLI request to Chase, BOA, Barclays and even while doing my refi with NFCU. All of them came back and told me that I should unfreeze my reports.

But, I still get my FICO's from PSECU, DCU and Walmart monthly. So they are doing SP's fine.

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just because YOU did it doesnt mean it doesnt happen. this falls under the same category as your current creditor can hp you at any given time without consent. 

[CS800]

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rootpooty wrote:

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CS800 wrote:

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rootpooty wrote:
Your current creditor can still HP you with a freeze in place.

The sole purpose of a freeze was for prevention of credit being obtained in your name in the event of identity theft.

Its purpose is not to avoid hp's when seeking more credit

---

Not totally accurate.

All my reports are frozen. I did a CLI request to Chase, BOA, Barclays and even while doing my refi with NFCU. All of them came back and told me that I should unfreeze my reports.

But, I still get my FICO's from PSECU, DCU and Walmart monthly. So they are doing SP's fine.

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just because YOU did it doesnt mean it doesnt happen. this falls under the same category as your current creditor can hp you at any given time without consent. 

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Which brings me to my original point  'Not totally accurate' which assumes a 'possibilty'