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Frequent Contributor
Posts: 271
Registered: ‎03-15-2012
0

Security Freezes and applying for cards with a current creditor

[ Edited ]

Can current creditors pull through freeze when you app? Any experinces? 

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Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Security Freezes and applying for cards with a current creditor

hmm awesome question.  Im interested in this as well.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
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Established Contributor
Posts: 504
Registered: ‎08-28-2012
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Re: Security Freezes and applying for cards with a current creditor

Does what work?  I think you should clarify your question. 

Valued Contributor
Posts: 1,442
Registered: ‎01-14-2009
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Re: Security Freezes and applying for cards with a current creditor

In my own experience, it worked for me with Chase. When I originally got my Chase Freedom, they pulled EX for me in New York. A few months later, I requested a CLI, they tried to pull EX again, but couldn't since it was frozen, so they pulled TU on a manual review when I requested them to during my phone call with a Chase credit analyst in their underwriting department.

Frequent Contributor
Posts: 271
Registered: ‎03-15-2012
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Re: Security Freezes and applying for cards with a current creditor

Update 

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K
Valued Contributor
Posts: 1,549
Registered: ‎09-01-2011
0

Re: Security Freezes and applying for cards with a current creditor

Existing creditors can SP from all three, even if frozen. Existing creditors cannot HP for either a new acct or CLI via EX/EQ however they can HP via TU for CLI. TU is the only exception, they can HP when you initiate a CLI even if frozen.

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Frequent Contributor
Posts: 271
Registered: ‎03-15-2012
0

Re: Security Freezes and applying for cards with a current creditor

Thanks for the info 

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K

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