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Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Frozen reports, can i still get a FICO?

All my reports are frozen, can i still order a FICO?
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Super Contributor
enharu
Posts: 7,002
Registered: ‎02-27-2013
0

Re: Frozen reports, can i still get a FICO?

Most of the time no. You MIGHT have some luck with the CRAs themselves, depending on what product you're trying to buy.

 

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).
Regular Contributor
Chaos122
Posts: 204
Registered: ‎12-20-2010
0

Re: Frozen reports, can i still get a FICO?

You can still pull your own credit report when you have a freeze. All 3 of mine are frozen and I still get my Fico reports and scores here. 

 


Starting Score: TU 608, Eq 618
Current Score: TU 755 Eq 746, Ex 770(psecu)
Goal Score: 780 across the board


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Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Frozen reports, can i still get a FICO?

Like Chaos stated.

 

I wondered about this too before freezing, but after the freeze, all my FICO features including alerts work as usual.   The freeze doesn't really block you or those you have active (in some for or other)  accounts with, from looking at your report.  Mostly blocks new applications sometimes other attempts being they have to have a "PIN" number to access if you don't just lift the freeze temporarily.

Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

Re: Frozen reports, can i still get a FICO?

I have an active freeze on all 3 and still get my PSECU,DCU and Wally fico's

 

 




Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: Frozen reports, can i still get a FICO?

my Walmart fico does not work
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Frozen reports, can i still get a FICO?


enharu wrote:

Most of the time no. You MIGHT have some luck with the CRAs themselves, depending on what product you're trying to buy.

 


This is incorrect. You will be able to pull your reports here at myFICO with freezes on your reports.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Frozen reports, can i still get a FICO?


Smug wrote:
my Walmart fico does not work

You have to remove the freeze and re-enroll with paperless statements. You can re-freeze after it gets your score. Wally FICO is a little iffy with freezes sometimes but works for the most part. Their website can be glitchy.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
enharu
Posts: 7,002
Registered: ‎02-27-2013
0

Re: Frozen reports, can i still get a FICO?

Hmm did you guys sign up, and then freeze?

My files are frozen except for TU and I can't pull anything except from experian directly using the dispute feature. Even those experian monthly services won't work for me.

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).
Blogger
HiLine
Posts: 2,951
Registered: ‎10-19-2012
0

Re: Frozen reports, can i still get a FICO?

So apparently a freeze will prevent creditors from viewing your report but will let credit monitoring services slide?


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