topic Re: CLI While having a security freeze on account in Credit Cards

CLI While having a security freeze on account

Madyun1982 — Fri, 24 Aug 2018 11:52:56 GMT

Good Morning. I have a question. Will I have to unfreeze my reports to receive a credilt line increase?

I ask because I called to get a CLI on my walmart card, and she said she couldn't access my CR. I asked her was she doing a hard or soft pull. She stated it was a soft pull. So I'm confused, because I thought that a Security freeze on your account wouldn't affect CLI with credit cards you already have. Only on trying to app for a new card. I'm currently in the garden, and just trying to get CLI on my current cards. But when I hit the luv button I keep getting denied, and I'm wondering if the security freeze is why. Any information on this matter will help.

Thank you all in advance

Re: CLI While having a security freeze on account

Medic981 — Fri, 24 Aug 2018 13:17:21 GMT

Negative Ghostrider! If you have an ongoing relationship with a creditor, a security/credit freeze will not prevent them from being able to perform either an HP or SP on your account. A freeze is there to prevent new creditors from accessing your CRs.

I am curious if the Synchrony to Captial One switch is affecting this. Synchrony would not have issues because you have an established account and relationship. Capital One, not so much. Just a thought.

Re: CLI While having a security freeze on account

AverageJoesCredit — Fri, 24 Aug 2018 13:35:38 GMT

No this does happen with Synchrony. If you call Credit Solutions and you have a freeze or lock on report , they cant access your report. This has happened to me , though i usually have a lock.

Re: CLI While having a security freeze on account

HeavenOhio — Fri, 24 Aug 2018 17:00:09 GMT

@Madyun1982, in theory, you shouldn't have to unfreeze your reports. But some banks have a policy that requires it anyway.

Re: CLI While having a security freeze on account

Madyun1982 — Fri, 24 Aug 2018 17:04:46 GMT

Thanks everyone for your input.. I'll unfreeze and see if that changes anything. Just hate having to pay that 5 fee.

Re: CLI While having a security freeze on account

Medic981 — Fri, 24 Aug 2018 17:12:05 GMT

When the Economic Growth, Regulatory Relief, and Consumer Protection Act goes into effect September 21, 2018, placing and removing a security/credit freeze will be free.

Re: CLI While having a security freeze on account

AverageJoesCredit — Fri, 24 Aug 2018 17:42:06 GMT

I sure hope so , cost me $11.15 to unfreeze my Ex

Re: CLI While having a security freeze on account

imaximous — Fri, 24 Aug 2018 17:50:53 GMT

@Medic981 wrote:
When the Economic Growth, Regulatory Relief, and Consumer Protection Act goes into effect September 21, 2018, placing and removing a security/credit freeze will be free.

Sorry to hear you guys have to pay. It's free on all 3 bureaus for me in NY, so I constantly do it whenever I'm submitting an app. I always assumed that was the case for everyone.

Re: CLI While having a security freeze on account

ScoreSizzle — Fri, 24 Aug 2018 17:54:10 GMT

@imaximous wrote:
@Medic981 wrote:
When the Economic Growth, Regulatory Relief, and Consumer Protection Act goes into effect September 21, 2018, placing and removing a security/credit freeze will be free.
Sorry to hear you guys have to pay. It's free on all 3 bureaus for me in NY, so I constantly do it whenever I'm submitting an app. I always assumed that was the case for everyone.

So brag about it, LOL

Re: CLI While having a security freeze on account

ScoreSizzle — Fri, 24 Aug 2018 17:57:37 GMT

BofA couldn't do it for me, they wanted me to unfreeze my TU account. So, I passed and went to Amex and added a nice little chunk instead.

Re: CLI While having a security freeze on account

imaximous — Fri, 24 Aug 2018 18:23:24 GMT

@ScoreSizzle wrote:
@imaximous wrote:
@Medic981 wrote:
When the Economic Growth, Regulatory Relief, and Consumer Protection Act goes into effect September 21, 2018, placing and removing a security/credit freeze will be free.
Sorry to hear you guys have to pay. It's free on all 3 bureaus for me in NY, so I constantly do it whenever I'm submitting an app. I always assumed that was the case for everyone.
So brag about it, LOL

Haha... I wasn't. Promise

But now I understand why some people are more hesitant about removing a freeze for a CLI. I always wondered what the big deal was since it takes seconds (maybe a minute) to remove a freeze and re-add it once you're done applying.