New Contributor
Posts: 73
Registered: ‎06-26-2012


Would it be a good idea to freeze my credit while I am in the process of trying to purchase a house? And when the mortgage people need to pull I lift the freeze?

  I ask this question because I have two creditors that are being paid through a payment plan, but as soon as they saw on my credit report that I was applying for a mortgage, they started pulling my credit report like once a week now and it is a hard pull that i keep getting alerts for.  I am up to 8 hard pulls now by one company and it has been in the last two months.  Can I do anything to stop them from pulling my credit reports so often?  It's like they are doing it because they know it will drop my score!


Thank you in advance

Moderator Emeritus
Posts: 32,880
Registered: ‎08-04-2007


Are you certain it's a hard pull, as opposed to a soft?


If it's a hard pull I'd ask them to stop and to remove the existing inquiries. 


I don't think a freeze would stop the inquiries because it's with an existing relationship. But you never know. I'd definitely talk to them first.


New Contributor
Posts: 73
Registered: ‎06-26-2012


Okay thank you!

Mega Contributor
Posts: 17,456
Registered: ‎03-19-2007


Inquires made by existing creditors that do not involve requests for additional credit initiated by the consumer are routinely coded as so-called "soft" inquiries that are not viewable in a consumer's credit report, and thus not scored by FICO.  They are internal account reviews.   

If an existing creditor is reporting inquiries unrelated to any initiation of credit by the consumer in a manner that is resulting in their viewing in your CR, I would contact/dispute with the CRA the accuracy of the stated permissible purpose.

If the CRA stone-walls then you can send a formal request to the CRA under FCRA 609(a)(1) that they provide you a copy of the stated permissible purpose provided by the creditor.

Section 609(a)(1) requires, upon payment of the current fee of $11.00 and proof of identity, that the CRA must provide any information of record in your credit file.





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