topic Re: Freezing EQ and future Comenity CLI's ?? in Credit Cards

Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 22:28:41 GMT

I was thinking strongly of freezing my EQ report and then got to wondering if that would prevent me from receiving future CLI's on my cards from Comenity? Does anyone know anything about this?

Re: Freezing EQ and future Comenity CLI's ??

B335is — Sun, 11 Jan 2015 22:30:53 GMT

It's only impacted my new applications. I've still been able to get CLI with my CR frozen.

Re: Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 22:32:58 GMT

@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.

@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.

Re: Freezing EQ and future Comenity CLI's ??

gdale6 — Sun, 11 Jan 2015 22:37:40 GMT

@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.

Yes, your creditors can still get thru the freeze.

Re: Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 22:37:52 GMT

@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.

No problem!

Re: Freezing EQ and future Comenity CLI's ??

-Wade- — Sun, 11 Jan 2015 22:38:18 GMT

@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.

you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place

Re: Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 22:38:34 GMT

@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.

Great. Just wanted to make sure of that first. Not intending to open new accounts so that's no issue.

Re: Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 22:39:44 GMT

@gdale6 wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
Yes, your creditors can still get thru the freeze.

@gdale6,

Ok thanks. I was not able to find the answer on the boards.

Re: Freezing EQ and future Comenity CLI's ??

-Wade- — Sun, 11 Jan 2015 22:40:59 GMT

@gdale6 wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
Yes, your creditors can still get thru the freeze.

they can only SP your report. I have never had one do a HP with my SF in place. I have always had to lift my freeze, even with a current creditor

Re: Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 22:43:36 GMT

@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place

@Anonymous,

Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.

Re: Freezing EQ and future Comenity CLI's ??

-Wade- — Sun, 11 Jan 2015 22:50:57 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.

EDIT: i can get my EQ and TU with a freeze in place from myFico
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place
@Anonymous,
Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.

I also know this for a fact. When i try to get my own EX report from MyFico they will not let me with a SF in place, i have to lift the freeze in order to get my own report and score.

Re: Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 22:50:51 GMT

@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place
@Anonymous,
Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.
I also know this for a fact. When i try to get my own EX report from MyFico they will not let me with a SF in place, i have to lift the freeze in order to get my own report and score.

@Anonymous,

Oh that I didn't know.. I will let it be then. I will resort to plan B if and when I decide to apply. Thanks for clarifying

Re: Freezing EQ and future Comenity CLI's ??

-Wade- — Sun, 11 Jan 2015 22:52:00 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place
@Anonymous,
Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.
I also know this for a fact. When i try to get my own EX report from MyFico they will not let me with a SF in place, i have to lift the freeze in order to get my own report and score.
@Anonymous,
Oh that I didn't know.. I will let it be then. I will resort to plan B if and when I decide to apply. Thanks for clarifying

EDIT: i can get EQ and TU with a freeze in place but not EX

Re: Freezing EQ and future Comenity CLI's ??

CreditCuriosity — Sun, 11 Jan 2015 22:53:50 GMT

@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place
@Anonymous,
Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.
I also know this for a fact. When i try to get my own EX report from MyFico they will not let me with a SF in place, i have to lift the freeze in order to get my own report and score.
@Anonymous,
Oh that I didn't know.. I will let it be then. I will resort to plan B if and when I decide to apply. Thanks for clarifying
EDIT: i can get EQ and TU with a freeze in place but not EX

+1 why EX has to be difficult.. When I need a report I have to temporarily lift my SF on EX, but other two I am fine.. PITA

Re: Freezing EQ and future Comenity CLI's ??

-Wade- — Sun, 11 Jan 2015 22:56:29 GMT

@CreditCuriousity wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place
@Anonymous,
Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.
I also know this for a fact. When i try to get my own EX report from MyFico they will not let me with a SF in place, i have to lift the freeze in order to get my own report and score.
@Anonymous,
Oh that I didn't know.. I will let it be then. I will resort to plan B if and when I decide to apply. Thanks for clarifying
EDIT: i can get EQ and TU with a freeze in place but not EX
+1 why EX has to be difficult.. When I need a report I have to temporarily lift my SF on EX, but other two I am fine.. PITA

I wish i knew Cost me $10 just to lift my EX and the $19.95 for my report

Re: Freezing EQ and future Comenity CLI's ??

CreditCuriosity — Sun, 11 Jan 2015 22:58:36 GMT

@-Wade- wrote:
@CreditCuriousity wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place
@Anonymous,
Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.
I also know this for a fact. When i try to get my own EX report from MyFico they will not let me with a SF in place, i have to lift the freeze in order to get my own report and score.
@Anonymous,
Oh that I didn't know.. I will let it be then. I will resort to plan B if and when I decide to apply. Thanks for clarifying
EDIT: i can get EQ and TU with a freeze in place but not EX
+1 why EX has to be difficult.. When I need a report I have to temporarily lift my SF on EX, but other two I am fine.. PITA
I wish i knew Cost me $10 just to lift my EX and the $19.95 for my report

Just do a temp lift for 7 days it is free that way...

Re: Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 23:00:44 GMT

@CreditCuriousity wrote:
@-Wade- wrote:
@CreditCuriousity wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place
@Anonymous,
Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.
I also know this for a fact. When i try to get my own EX report from MyFico they will not let me with a SF in place, i have to lift the freeze in order to get my own report and score.
@Anonymous,
Oh that I didn't know.. I will let it be then. I will resort to plan B if and when I decide to apply. Thanks for clarifying
EDIT: i can get EQ and TU with a freeze in place but not EX
+1 why EX has to be difficult.. When I need a report I have to temporarily lift my SF on EX, but other two I am fine.. PITA
I wish i knew Cost me $10 just to lift my EX and the $19.95 for my report
Just do a temp lift for 7 days it is free that way...

Ok .. you guys clarify for me. If you sign up for myfico and put a freeze in place, do you still get alerts for each bureau?

Re: Freezing EQ and future Comenity CLI's ??

-Wade- — Sun, 11 Jan 2015 23:03:10 GMT

@CreditCuriousity wrote:
@-Wade- wrote:
@CreditCuriousity wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@B335is wrote:
It's only impacted my new applications. I've still been able to get CLI with my CR frozen.
@B335is

Quick question.. Will new accounts open report even if report is frozen? Sorry OP, not trying to hijack thread.
you can not open a new account with a SF in place..... But a new account can report with a SF in place. Hope this answers your question. in other words they can't do a HP with a SF in place
@Anonymous,
Thanks.. I figured that but I just want my experian done. Every creditor for me uses that. They don't have any love for my EQ or TU. I am done apping but shall see.
I also know this for a fact. When i try to get my own EX report from MyFico they will not let me with a SF in place, i have to lift the freeze in order to get my own report and score.
@Anonymous,
Oh that I didn't know.. I will let it be then. I will resort to plan B if and when I decide to apply. Thanks for clarifying
EDIT: i can get EQ and TU with a freeze in place but not EX
+1 why EX has to be difficult.. When I need a report I have to temporarily lift my SF on EX, but other two I am fine.. PITA
I wish i knew Cost me $10 just to lift my EX and the $19.95 for my report
Just do a temp lift for 7 days it is free that way...

Really, I didn't know that......... But i have been a victim of ID theft and i don't want it unlocked that long

Re: Freezing EQ and future Comenity CLI's ??

CreditCuriosity — Sun, 11 Jan 2015 23:14:34 GMT

It is working for me so far... Granted my Fico 3 Bureau has issues as you might no, takes several days to get them.. Sometimes they really never show up until something else triggers them, but yes you can have a SF on all bureaus and still use the MyFico 3 product monitoring. Have EQ/EX frooze atm, about to freeze TU and it showed for example that my Chase CSP opened on EX etc.

Re: Freezing EQ and future Comenity CLI's ??

Anonymous — Sun, 11 Jan 2015 23:17:12 GMT

@CreditCuriousity wrote:
It is working for me so far... Granted my Fico 3 Bureau has issues as you might no, takes several days to get them.. Sometimes they really never show up until something else triggers them, but yes you can have a SF on all bureaus and still use the MyFico 3 product monitoring. Have EQ/EX frooze atm, about to freeze TU and it showed for example that my Chase CSP opened on EX etc.

@Anonymous,

Ok great.. Thanks for the quick feedback. Apprecaited.