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Question about CLI and Freezes on Accounts

New Contributor

Question about CLI and Freezes on Accounts

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.

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
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Frequent Contributor

Re: Question about CLI and Freezes on Accounts

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.

 

Marriott Rewards Visa $25,000; AirTran A+Rewards Visa $25,000; PFCU Visa $17,000; Barclay B&N MasterCard $12,000; GUCU Visa $10,500; Nordstrom Visa $10,000; GOCU Visa $10,000; Ann Taylor MasterCard $6,400; US Bank Perks Plus Visa $5,000; Barclay Arrival MasterCard $5,000; Quicksilver One $3,000; Capital One Classic $3,000; Amazon Visa $500; Sam's Club MasterCard $250; Dillards AMEX $250; Wal-Mart MasterCard $250.
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Mega Contributor

Re: Question about CLI and Freezes on Accounts


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.


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.

 




EQ FICO 548 3/3/16
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