pknjhh wrote:
I put a freeze on all 3 credit bureaus. Keep getting calls saying I was pre approved for pay day loan. Made me nervous I never applied for those. Plus I know they are very shady. So I froze my credit. Can myfico pull my scores now?
My experience:
I cancelled ScoreWatch a few months back & froze my reports. January of this year, I tried to pull one of my reports & received an error message. My card was not charged.
Recently, I tried ordering one of my scores with my report unfrozen for 24 hours (free). Went through with no problem.
My answer: If you currently have an ongoing charge or account (which it seems you do) then myFICO can pull it. If not, then it's a no go.
I thought that since I've had ScoreWatch before that it wouldn't be an issue to pull one report upon request but that wasn't the case.
Also, my EQ on CK would not show until I refreshed my account the one day my report was unfrozen. Now I get updates for both TU & EQ like everyone else.
Last app: 2/21/2016
Amex PRG (NPSL)| Amex Hilton Surpass ($17.6K)| Barclays Arrival WEM ($13K)| Barclays SM ($11K)| Capital One QS ($15K)
CareCredit (15.6K)| Chase CSP ($12K)| Chase Hyatt ($5K)| Chase FU VS ($7K)| Chase Ritz ($16.7K)| Citi DC ($2.4K)
Discover It ($4K)| Lowe's ($17K)| MSUFCU ($5K)| Nasa FCU ($20K)| Navy Cash Rewards ($20K)| Navy CLOC ($15K)
PenFed Thrifty ($500)| USAA Rate Advantage ($7K)
