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Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,423
Registered: ‎10-02-2012
0

Freezing CB question

If you freeze lets say EQ can you still pull a credit report and score on any other crdit website for ex. my fico.com? Also do your current creditotrs still the power to sp your report?

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,423
Registered: ‎10-02-2012
0

Re: Freezing CB question

Somebody...... :smileyhappy:

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: Freezing CB question

Myfico seems to be able to pull your EQ report even when it's frozen. However not for EX.

Current creditors can still SP you
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Freezing CB question

Having a freeze should never prevent you from pulling your own report.  That is to keep non current creditors from doing so.

Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: Freezing CB question

Several CMS sites, including experian and equifax FAKO score services cannot seem to pull any reports when file is frozen. The only way to pull a report from them is to buy a report directly or to dispute something or through the adverse action free report.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Freezing CB question

Ok you are talking 3rd party reports.

 

I have a freeze and have no problem getting my EX from EX.

Valued Contributor
takeshi74
Posts: 2,377
Registered: ‎06-05-2013
0

Re: Freezing CB question

[ Edited ]

BearsAndTurtlesRtheBest wrote:

Somebody...... :smileyhappy:


If you need an immediate answer then a discussion forum is the wrong place to ask.  Wait at least a day (certainly more than 50 minutes) for responses.

 

Google will yield much faster responses:

https://www.google.com/search?q=credit+report+security+freeze&rlz=1C1CHKZ_enUS437US437&oq=credit+rep...

 

Don't overlook site restricted searches as well:

https://www.google.com/search?q=credit+report+security+freeze&rlz=1C1CHKZ_enUS437US437&oq=credit+rep...

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Freezing CB question


takeshi74 wrote:

BearsAndTurtlesRtheBest wrote:

Somebody...... :smileyhappy:


If you need an immediate answer then a discussion forum is the wrong place to ask.  Wait at least a day (certainly more than 50 minutes) for responses.

 

Google will yield much faster responses:

https://www.google.com/search?q=credit+report+security+freeze&rlz=1C1CHKZ_enUS437US437&oq=credit+rep...

 

Don't overlook site restricted searches as well:

https://www.google.com/search?q=credit+report+security+freeze&rlz=1C1CHKZ_enUS437US437&oq=credit+rep...


The internet may give faster responses but not all of them can be reliable.

Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,423
Registered: ‎10-02-2012
0

Re: Freezing CB question

Thanks for the response! Got it cleared.

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: Freezing CB question


guiness56 wrote:

Ok you are talking 3rd party reports.

 

I have a freeze and have no problem getting my EX from EX.


yea that's what i thought he was asking about.

sorry for the misunderstanding. looks like I got confused.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

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