Reply
Frequent Contributor
Posts: 269
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) 801 TU(02/06/15) 776 EX(02/14/2015)
AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K Discover it 6.5K Wells Fargo Cash Back $4.4K 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
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 Smiley Wink
Established Contributor
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
Posts: 1,414
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
Posts: 269
Registered: ‎03-15-2012
0

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

Update 

Fico Scores: 763 EQ(12/11/12) 801 TU(02/06/15) 776 EX(02/14/2015)
AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K Discover it 6.5K Wells Fargo Cash Back $4.4K 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
Posts: 1,506
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
Posts: 269
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) 801 TU(02/06/15) 776 EX(02/14/2015)
AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K Discover it 6.5K Wells Fargo Cash Back $4.4K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.