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Frequent Contributor
CreditChampion
Posts: 267
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? 

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

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
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012
0

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

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

Valued Contributor
kevinjjc
Posts: 1,374
Registered: ‎01-14-2009
0

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
CreditChampion
Posts: 267
Registered: ‎03-15-2012
0

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

Update 

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Valued Contributor
mxp114
Posts: 1,381
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.

Frequent Contributor
CreditChampion
Posts: 267
Registered: ‎03-15-2012
0

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

Thanks for the info 

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)

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