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Frequent Contributor
Posts: 443
Registered: ‎10-23-2010
0

No LUV with Freeze

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

 

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 :smileyhappy:

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Frequent Contributor
Posts: 399
Registered: ‎04-30-2008
0

Re: No LUV with Freeze

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.

 

 

Frequent Contributor
Posts: 443
Registered: ‎10-23-2010
0

plo

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.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


New Contributor
Posts: 89
Registered: ‎08-03-2012
0

Re: No LUV with Freeze

To avoid a HP.

 

To deter you from app itch.

 

To protect you from "drapping" :smileysurprised:

Frequent Contributor
Posts: 443
Registered: ‎10-23-2010
0

Re: No LUV with Freeze

I supose that too lol

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: No LUV with Freeze

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
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
0

Re: No LUV with Freeze


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.




Frequent Contributor
Posts: 443
Registered: ‎10-23-2010
0

Re: No LUV with Freeze

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.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: No LUV with Freeze


CS800 wrote:

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.


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. 

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
0

Re: No LUV with Freeze


rootpooty wrote:

CS800 wrote:

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.


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. 


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




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