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Security Freeze question

Super Contributor

Security Freeze question

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?




16 REPLIES
Moderator Emeritus

Re: Security Freeze question

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.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Valued Contributor

Re: Security Freeze question

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
Moderator Emeritus

Re: Security Freeze question

It blocks unwanted HPs... for example, when Discover tried to HP me when I called to ask for a CLI


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor

Re: Security Freeze question


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.

               LIMITS IN CARD DESCRIPTIONS
Moderator Emeritus

Re: Security Freeze question

If they have a permissable purpose then yes that would be fine. Trying to solicit me for additional products is not a permissible purpose.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor

Re: Security Freeze question


webhopper wrote:
If they have a permissable purpose then yes that would be fine. Trying to solicit me for additional products is not a permissible purpose.


but if discover would've hp'ed you it would be fine (from their end)

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Moderator Emeritus

Re: Security Freeze question

Yep if they had been able to HP me it would have been fine since I initiated the request

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor

Re: Security Freeze question

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?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Super Contributor

Re: Security Freeze question


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.