12-08-2012 06:12 PM - edited 12-08-2012 07:10 PM
Can current creditors pull through freeze when you app? Any experinces?
12-08-2012 06:26 PM
12-08-2012 06:56 PM
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.
12-08-2012 07:10 PM
12-08-2012 07:15 PM
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.
12-08-2012 08:11 PM
Thanks for the info
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