cancel
Showing results for 
Search instead for 
Did you mean: 

Oops, hit Discover luv button with TU frozen . . . .???

Senior Contributor

Re: Oops, hit Discover luv button with TU frozen . . . .???


mssher wrote:

Someone said before that if you  initiate a CLI then they are unable to do the SP if bureau is frozen  . . .  but they are able to do their normal account review SP with no problem.  So, got to thinking that maybe having TU frozen is keeping them from doing the customer-initiated SP and generating that denial. I'll unlock it and try again in a few days to see if that makes a diff.


Except that they use the most recent, (monthly), soft pull to make the decision.


Gardening until tomorrow.
Message 11 of 12
New Contributor

Re: Oops, hit Discover luv button with TU frozen . . . .???

This makes sense!  They aren't really SP'ing the report when you hit the luv button, so the freeze is irrelevant.  And the freeze has no effect on their regular maintenance SP's when means they always have a report handy for the cli requests without really pulling a new one. 

USAA AmEx 17,000 | USAA Visa 14,500 | BOA Visa 10,000 | BOA World MC 10,000 | Fifth Third 9,000 | Discover IT 13,500 | Barclay Apple Rewards 6,440 | AMEX BCE 6,000 | Citi DC 6,3000 | US Bank Cash+ Visa Sig 5,000 | PenFed Visa Sig 5,000 | Alliant Visa 5,000 | Citi Sears 5,000 | State Farm Visa Sig 5,000 | CapOne QS 5,250 | Firestone 2,200 | Kohls 2,000 |
FICO 8: EX 782 - EQ 794 - TU 796 *** Goal: Decrease Number of Cards to 12 + store cards ***
Message 12 of 12