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Sorry dont have the answer to your question hopefully people will come answer.
Just wanted to say thank you for making this thread was wondering the same thing.
Also im contemplating on freezing reports.
Will be following this thread.
Some lenders will use a SP they have on file for a SP CLI. It was my understanding, however, that they cannot soft pull your report if its frozen.
If that were the case, how did they obtain the SP on file in the first place? All my files has been locked since April and only unlocked for brief moments when I app, I have since received SP CLIs with Citi, Amex, Cap One and Discover, all of my scores offers by various cards has been updating every month, not to mention all the free services like CK, Nerdwallet, creditcard.com, NAV...etc.
@Anonymous wrote:Some lenders will use a SP they have on file for a SP CLI. It was my understanding, however, that they cannot soft pull your report if its frozen.
Your current creditors can still SP your reports if they are locked.