topic Re: Ex Frozen in Credit Card Applications

Ex Frozen

stagefoursurvivor — Tue, 03 Mar 2015 22:31:35 GMT

Can AmEx, or any lender, do a SP if you have Ex frozen?

Re: Ex Frozen

baller4life — Tue, 03 Mar 2015 22:35:30 GMT

Current creditors yes

Re: Ex Frozen

Anonymous — Tue, 03 Mar 2015 22:36:35 GMT

If you already have an account with them I believe it goes through.

Re: Ex Frozen

stagefoursurvivor — Tue, 03 Mar 2015 22:38:29 GMT

What about NASA, check/savings accts only? They were softing me before but, not sure now since I needed to freeze Ex about 10 days ago

Re: Ex Frozen

Ghoshida — Wed, 04 Mar 2015 04:28:50 GMT

@stagefoursurvivor wrote:
What about NASA, check/savings accts only? They were softing me before but, not sure now since I needed to freeze Ex about 10 days ago

They can still SP you.

I know they do because they do it for me

Chase pre-qual works with EX frozen as well.

One drawback of EX freezing is that Credit Sesame stops working.

Re: Ex Frozen

stagefoursurvivor — Wed, 04 Mar 2015 14:29:44 GMT

Thanks and perfect timing, got an update notice this AM from CredSes which states "technical difficulties" prevent an update. Without your info I'd have been wondering why!

Re: Ex Frozen

Kenny — Wed, 04 Mar 2015 16:31:07 GMT

@stagefoursurvivor wrote:
Thanks and perfect timing, got an update notice this AM from CredSes which states "technical difficulties" prevent an update. Without your info I'd have been wondering why!

Yep -- Credit Sesame won't work well if EX is frozen for some reason.

Re: Ex Frozen

B335is — Wed, 04 Mar 2015 16:47:15 GMT

Stagefoursurvivor are you already a member of NASA?

Re: Ex Frozen

stagefoursurvivor — Wed, 04 Mar 2015 17:14:09 GMT

@B335is wrote:
Stagefoursurvivor are you already a member of NASA?

Yes, checking/savings only though. Declined for CC 1/8/15 too many INQs, limited history, AAoA >6yrs?, oldest acct 31yrs? Ex 647 then, now 698. They did another SP 2/6/15, probably another any day if they can pull through the freeze

Re: Ex Frozen

Ghoshida — Wed, 04 Mar 2015 19:03:35 GMT

@Kenny wrote:
@stagefoursurvivor wrote:
Thanks and perfect timing, got an update notice this AM from CredSes which states "technical difficulties" prevent an update. Without your info I'd have been wondering why!
Yep -- Credit Sesame won't work well if EX is frozen for some reason.

I think it's something to do with EX's coding.

I was not able to create a Credit.com monitoring account either; because EX was frozen.

OTOH I get regular updates from Credit Karma (earlier TU, now TU and EQ), as well as scores from DCU and Citi (EQ), Discover and Barclays (TU), and the Cap One monitoring (TU). All 3 are frozen for me; EX monitoring is the only problem.

However, if you have accessed EX before, EX will allow you to login using your old report number; that helps me monitor. I have the US Bank EX Plus Score free FAKO and that updates, if anyone's wondering

Oh and ProtectmyID (got free last year from Target, for 1 year, now out-of-subscription) was able to generate immediate alerts (new inq, new a/c etc). So their own systems work, 3rd parties don't; seems like.

Re: Ex Frozen

stagefoursurvivor — Thu, 05 Mar 2015 14:26:49 GMT

@Kenny wrote:
@stagefoursurvivor wrote:
Thanks and perfect timing, got an update notice this AM from CredSes which states "technical difficulties" prevent an update. Without your info I'd have been wondering why!
Yep -- Credit Sesame won't work well if EX is frozen for some reason.

Something very screwy here, CredSes wouldn't update today as you point out HOWEVER, just ckecked my Ex BD and CredSes did a SP yesterday, 3/5/15. No update seems to be BS