Question about CLI and Freezes on Accounts

[heathuhhhhwebbbb]

Hi everyone!  I was wondering if someone could give me information on CLI's and if certain banks can do them if there is a security freeze on all three of my credit reports?  Do I have to unfreeze or will they be able to access my reports since they are already reporting on them?

Thanks in advance.

[Strepthroat]

there was a post a few months ago listing soft or hard pulls from list of creditors for CLIs.  you may want to do a search.  from my very recent experience, i received CLIs on the following accounts, all soft pulls: 

Nordstrom

GE Bank

Bank of America

HSBC

Discover

Citi

Again, all soft pulls in my case.  Hope this helps.

[LS2982]

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@heathuhhhhwebbbb wrote:

Hi everyone!  I was wondering if someone could give me information on CLI's and if certain banks can do them if there is a security freeze on all three of my credit reports?  Do I have to unfreeze or will they be able to access my reports since they are already reporting on them?

Thanks in advance.

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It depends on the creditor. They will tell you if they need you to lift it, at that point i'd be asking if it's a HP or SP.