topic Re: Oops, hit Discover luv button with TU frozen . . . .??? in Credit Cards

Oops, hit Discover luv button with TU frozen . . . .???

mssher — Sun, 26 Jul 2015 22:16:10 GMT

I got the "Unable to increase your limit at this time" message. Is the freeze keeping them from doing a SP?? I tried this twice, a week apart, same result. Should I unfreeze TU and try again???

Re: Oops, hit Discover luv button with TU frozen . . . .???

Anonymous — Sun, 26 Jul 2015 22:21:22 GMT

No I got that too and mine isn't frozen.

Re: Oops, hit Discover luv button with TU frozen . . . .???

Anonymous — Sun, 26 Jul 2015 22:23:19 GMT

@mssher wrote:
I got the "Unable to increase your limit at this time" message. Is the freeze keeping them from doing a SP?? I tried this twice, a week apart, same result. Should I unfreeze TU and try again???

They can still SP even with the file frozen. That's the same message I've gotten the last few times, and mine isn't frozen.

Re: Oops, hit Discover luv button with TU frozen . . . .???

mssher — Sun, 26 Jul 2015 22:29:31 GMT

Someone said before that if you initiate a CLI then they are unable to do the SP if bureau is frozen . . . but they are able to do their normal account review SP with no problem. So, got to thinking that maybe having TU frozen is keeping them from doing the customer-initiated SP and generating that denial. I'll unlock it and try again in a few days to see if that makes a diff.

Re: Oops, hit Discover luv button with TU frozen . . . .???

Anonymous — Sun, 26 Jul 2015 22:29:17 GMT

Mine are usually kept in the Sub-Zero unless applying and have had no such issue getting auto CLIs.

Re: Oops, hit Discover luv button with TU frozen . . . .???

mssher — Sun, 26 Jul 2015 22:30:22 GMT

yeah, wouldn't affect the auto-cli, just the customer-initiated ones, if any.

Re: Oops, hit Discover luv button with TU frozen . . . .???

JagerBombs89 — Sun, 26 Jul 2015 22:35:11 GMT

All my reports are frozen, including TU, and Discover still was able to process the CLI when I hit the LUV button a few weeks back.

EDIT FOR CLARITY

Re: Oops, hit Discover luv button with TU frozen . . . .???

mssher — Sun, 26 Jul 2015 22:32:56 GMT

Thanks Jager, but darn . . . that means I'm truly denied.

Re: Oops, hit Discover luv button with TU frozen . . . .???

Imperfectfuture — Sun, 26 Jul 2015 22:40:33 GMT

@mssher wrote:
Thanks Jager, but darn . . . that means I'm truly denied.

Which is happening often. Don't take it personal, try again in 90 days.

Re: Oops, hit Discover luv button with TU frozen . . . .???

taxi818 — Sun, 26 Jul 2015 23:16:07 GMT

@Imperfectfuture wrote:
@mssher wrote:
Thanks Jager, but darn . . . that means I'm truly denied.
Which is happening often. Don't take it personal, try again in 90 days.

+1 yep. happens to all of us. (denial that is)

Re: Oops, hit Discover luv button with TU frozen . . . .???

Anonymous — Sun, 26 Jul 2015 23:24:52 GMT

@mssher wrote:
Someone said before that if you initiate a CLI then they are unable to do the SP if bureau is frozen . . . but they are able to do their normal account review SP with no problem. So, got to thinking that maybe having TU frozen is keeping them from doing the customer-initiated SP and generating that denial. I'll unlock it and try again in a few days to see if that makes a diff.

Except that they use the most recent, (monthly), soft pull to make the decision.

Re: Oops, hit Discover luv button with TU frozen . . . .???

mssher — Sun, 26 Jul 2015 23:35:03 GMT

This makes sense! They aren't really SP'ing the report when you hit the luv button, so the freeze is irrelevant. And the freeze has no effect on their regular maintenance SP's when means they always have a report handy for the cli requests without really pulling a new one.