topic Re: Do I need to unfreeze my CR's before using Cap One Auto Navigator or any other pre-app site? in Auto Loans

Do I need to unfreeze my CR's before using Cap One Auto Navigator or any other pre-app site?

IamWesty12 — Sat, 23 Apr 2022 17:18:45 GMT

I am thinking about utilizing either Cap One Auto Navigator to see my options before heading out to my GMC dealership this time around. All 3 of my reports I have a freeze on. I wonder if these need to be lifting prior? I am kind of excited for this time around than in 2020 when I drove off with my 2020 GMC Terrain Lease. Due to previous credit I was approved but left having a $599 monthly lease. Flash forward to now and my enhanced fico auto scores are all over 700 with all three having a middle score of 709 so I am thinking whatever I decide on my auto payment should be lower. Any other thoughts or ideas are appreciated, thanks! For a quick comparison, back in March 2020 my scores were below 600.

Re: Do I need to unfreeze my CR's before using Cap One Auto Navigator or any other pre-app site?

Gmood1 — Sat, 23 Apr 2022 21:33:03 GMT

Yup, you need to unfreeze them, or you'll get an error message.

Re: Do I need to unfreeze my CR's before using Cap One Auto Navigator or any other pre-app site?

IamWesty12 — Sat, 23 Apr 2022 22:34:57 GMT

@Gmood1 wrote:
Yup, you need to unfreeze them, or you'll get an error message.

awesome, thank you so much @Gmood1 . Would this also apply to asking my current CC for CLI? I think this may have been why my apple CC was denied a CLI recently. Thank you again!!!

Re: Do I need to unfreeze my CR's before using Cap One Auto Navigator or any other pre-app site?

Gmood1 — Sat, 23 Apr 2022 22:47:43 GMT

Not sure about the Capital One CC. But yes, some lenders do soft pull for CLI. I've been denied CLIs because my reports were frozen.

Re: Do I need to unfreeze my CR's before using Cap One Auto Navigator or any other pre-app site?

IamWesty12 — Sun, 24 Apr 2022 02:12:47 GMT

@Gmood1 ok, great, thank you again. So helpful!!!