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Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012

security freeze can stop inquiries ?

I place security freeze for my credit report, but still show up new inquiry from one of lender I just try. is this really work?

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: security freeze can stop inquiries ?

You applied for new credit with a freeze in place and they were allowed access to your CR?  Is that what you are saying?

Senior Contributor
DaBears
Posts: 3,916
Registered: ‎10-26-2012

Re: security freeze can stop inquiries ?

+1 Guiness. No creditor is allowed to HP your credit report without authorization from you first.

Frequent Contributor
shols44
Posts: 394
Registered: ‎11-03-2012

Re: security freeze can stop inquiries ?

You might want to check and see when the freeze was activated and when the INQ was placed. Once a freeze is in place, there is no way a hard INQ can go through unless you remove the freeze or provide the lender with a PIN.


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012

Re: security freeze can stop inquiries ?

yes.I went online and put security freeze on my credit report in the morning.  then I try apply for credit card in the afternoon.. 1h later I used USAA pulled my credit report. it showed 1 hp!!!!

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Frequent Contributor
shols44
Posts: 394
Registered: ‎11-03-2012

Re: security freeze can stop inquiries ?

What report did you freeze? USAA typically pulls EQ. If you didn't freeze all three, then its no surprise they would just pull another CRA. The other possibility is your freeze was not in effect quite yet before you applied. 

 

On the flip side, what are you trying to accomplish by freezing then applying for credit? It just seems odd.


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

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

Re: security freeze can stop inquiries ?

Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012

Re: security freeze can stop inquiries ?

ok thanks guiness. I try to block myself for garden.

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013

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