Since I'm done apping, I went ahead and froze all 3 bureau.
Can this have a negative impact on any of my cards?
Can the creditor still soft my report? If not, will that tick them off?
I've had my EQ and EX frozen since Feb... I meant to freeze TU, but I had an issue getting it to freeze. Amex can still soft me, and Chase and Discover have been softing me.
No issues there.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Any card issuer you have relationship with can soft or hard your credit report, but I find their systems tend to be not able to hard your credit report with a security freeze on.
LIMITS IN CARD DESCRIPTIONS
It blocks unwanted HPs... for example, when Discover tried to HP me when I called to ask for a CLI
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:It blocks unwanted HPs... for example, when Discover tried to HP me when I called to ask for a CLI
I wouldn't always depend on it blocking HPs with card companies that you currently hold (ie are a customer of). They have the right to HP you without permission. But as webhopper's example shows that most credit card companies systems respect the security freeze even if they have the right to pull.
If they have a permissable purpose then yes that would be fine. Trying to solicit me for additional products is not a permissible purpose.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Yep if they had been able to HP me it would have been fine since I initiated the request
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
im going to freeze all 3 CR but i was just wondering if you guys paid that fee to do it or if you guys got around without having to pay for it?
@gettnthere wrote:im going to freeze all 3 CR but i was just wondering if you guys paid that fee to do it or if you guys got around without having to pay for it?
$5 per bureau.