topic Re: GE Frozen Reports and CLI and Unlock reports? in Credit Cards

GE Frozen Reports and CLI and Unlock reports?

Creditaddict — Sat, 31 Mar 2012 23:10:13 GMT

I had asked before about CLI while reports frozen with GE and some said they got one, but I tried and it shows last score on file back in Dec. or Jan. when I applied. I'm wondering how long it would take GE to pull a SP on their own if I unlock my reports.... Anyway to unlock EQ and TU for 24 hours and some how get GE to update reports and get CLI or would I have to leave them unlocked 30-60 days?

Anyone have experience with this?

Re: GE Frozen Reports and CLI and Unlock reports?

LS2982 — Sat, 31 Mar 2012 23:13:28 GMT

GE can SP on their own while frozen AFAIK. Tehy have for me when I requested CLI's. If your trying to do a manual review after a decline you have to lift it for them to SP.

Re: GE Frozen Reports and CLI and Unlock reports?

Creditaddict — Sat, 31 Mar 2012 23:16:44 GMT

@LS2982 wrote:
GE can SP on their own while frozen AFAIK. Tehy have for me when I requested CLI's. If your trying to do a manual review after a decline you have to lift it for them to SP.

That is not true based on my Lowes conversation last week. They only had the pull from Jan. and they were unable to update it with the freeze. I had not previously been declined either.

Re: GE Frozen Reports and CLI and Unlock reports?

bichonmom — Sat, 31 Mar 2012 23:30:26 GMT

It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

Here's an excerpt from Experian:

http://www.experian.com/consumer/security_freeze.html

A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.

Re: GE Frozen Reports and CLI and Unlock reports?

LS2982 — Sat, 31 Mar 2012 23:25:30 GMT

Hmm.....

Not sure what the deal is with this, It sounds like the only way around it is to unlock report and let them SP manually. When I got my CLI's with JCP, ON, Walmart they did it while reports were frozen and had an updated report.

Re: GE Frozen Reports and CLI and Unlock reports?

LS2982 — Sat, 31 Mar 2012 23:26:37 GMT

+1 at pulling quarterly.

Re: GE Frozen Reports and CLI and Unlock reports?

Creditaddict — Sat, 31 Mar 2012 23:28:28 GMT

@bichonmom wrote:
It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

That is what all employees are told and that is what we are always told and even the law states that a current creditor can always access your reports and HP if they want but in my experience over the years with frozen reports they get NOTHING, I have even been told after I state "I have frozen reports, you won't be able to pull them until I unlock" The rep has responded back that won't stop us from getting a report to 30 seconds later saying "I'm not able to pull, not sure why!?"

Re: GE Frozen Reports and CLI and Unlock reports?

LS2982 — Sat, 31 Mar 2012 23:50:51 GMT

@Creditaddict wrote:
@bichonmom wrote:
It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

That is what all employees are told and that is what we are always told and even the law states that a current creditor can always access your reports and HP if they want but in my experience over the years with frozen reports they get NOTHING, I have even been told after I state "I have frozen reports, you won't be able to pull them until I unlock" The rep has responded back that won't stop us from getting a report to 30 seconds later saying "I'm not able to pull, not sure why!?"

"Told you so!!!"

Re: GE Frozen Reports and CLI and Unlock reports?

Creditaddict — Sat, 31 Mar 2012 23:53:09 GMT

@LS2982 wrote:
@Creditaddict wrote:
@bichonmom wrote:
It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

That is what all employees are told and that is what we are always told and even the law states that a current creditor can always access your reports and HP if they want but in my experience over the years with frozen reports they get NOTHING, I have even been told after I state "I have frozen reports, you won't be able to pull them until I unlock" The rep has responded back that won't stop us from getting a report to 30 seconds later saying "I'm not able to pull, not sure why!?"

"Told you so!!!"

Weren't you saying frozen will not stop but I'm saying yes it did and reps have said it won't stop them to then turn around and say they couldn't.

Somehow we are getting 2 different outcomes, I like yours better! I don't want to unlock!

Re: GE Frozen Reports and CLI and Unlock reports?

bichonmom — Sat, 31 Mar 2012 23:57:11 GMT

@Creditaddict wrote:
@bichonmom wrote:
It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

That is what all employees are told and that is what we are always told and even the law states that a current creditor can always access your reports and HP if they want but in my experience over the years with frozen reports they get NOTHING, I have even been told after I state "I have frozen reports, you won't be able to pull them until I unlock" The rep has responded back that won't stop us from getting a report to 30 seconds later saying "I'm not able to pull, not sure why!?"

Hmm. I'm thinking that maybe I should freeze my CR. I have been softed by 3 CAs on one of my CR just in the last couple of months, and it's making me nervous.

Re: GE Frozen Reports and CLI and Unlock reports?

Creditaddict — Sat, 31 Mar 2012 23:59:33 GMT

@bichonmom wrote:
@Creditaddict wrote:
@bichonmom wrote:
It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

That is what all employees are told and that is what we are always told and even the law states that a current creditor can always access your reports and HP if they want but in my experience over the years with frozen reports they get NOTHING, I have even been told after I state "I have frozen reports, you won't be able to pull them until I unlock" The rep has responded back that won't stop us from getting a report to 30 seconds later saying "I'm not able to pull, not sure why!?"

Hmm. I'm thinking that maybe I should freeze my CR. I have been softed by 3 CAs on one of my CR just in the last couple of months, and it's making me nervous.

I can't respond how I want to! Take that however you like

Re: GE Frozen Reports and CLI and Unlock reports?

LS2982 — Sun, 01 Apr 2012 00:00:03 GMT

@Creditaddict wrote:
@LS2982 wrote:
@Creditaddict wrote:
@bichonmom wrote:
It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

That is what all employees are told and that is what we are always told and even the law states that a current creditor can always access your reports and HP if they want but in my experience over the years with frozen reports they get NOTHING, I have even been told after I state "I have frozen reports, you won't be able to pull them until I unlock" The rep has responded back that won't stop us from getting a report to 30 seconds later saying "I'm not able to pull, not sure why!?"

"Told you so!!!"
Weren't you saying frozen will not stop but I'm saying yes it did and reps have said it won't stop them to then turn around and say they couldn't.
Somehow we are getting 2 different outcomes, I like yours better! I don't want to unlock!

I was saying told you so on the bolded statement as if you were telling the rep that after they couldnt pull your CR because it was frozen.

I'm on the assumption that GE pulls quarterly SP's frozen or not but will not pull any more unless you get denied and do a manual review which will mean unlocking the file for a SP.

Re: GE Frozen Reports and CLI and Unlock reports?

LS2982 — Sun, 01 Apr 2012 00:01:05 GMT

@bichonmom wrote:
@Creditaddict wrote:
@bichonmom wrote:
It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

That is what all employees are told and that is what we are always told and even the law states that a current creditor can always access your reports and HP if they want but in my experience over the years with frozen reports they get NOTHING, I have even been told after I state "I have frozen reports, you won't be able to pull them until I unlock" The rep has responded back that won't stop us from getting a report to 30 seconds later saying "I'm not able to pull, not sure why!?"

Hmm. I'm thinking that maybe I should freeze my CR. I have been softed by 3 CAs on one of my CR just in the last couple of months, and it's making me nervous.

Freezing AND opting out will stop JDB's from getting CB data that they are selling to the JDB's.

Re: GE Frozen Reports and CLI and Unlock reports?

Creditaddict — Sun, 01 Apr 2012 00:02:50 GMT

@LS2982 wrote:
@Creditaddict wrote:
@LS2982 wrote:
@Creditaddict wrote:
@bichonmom wrote:
It could also be that GE is using their last pull. When I asked for a CLI, they gave me less and sent letter. The letter had date w/FICO that was a week BEFORE I asked for CLI. Others here have said that GE just pulls (soft) quarterly and uses that to determine CLIs, etc.

CRBs told me that a freeze will not stop CAs from doing a HP, even if there is NO CA on my CR. So, if a freeze doesn't stop CAs from doing a HP, I don't see how it can stop a CC from doing a SP. In fact, I don't recall anyone posting that they stop getting softed after they froze their reports.

That is what all employees are told and that is what we are always told and even the law states that a current creditor can always access your reports and HP if they want but in my experience over the years with frozen reports they get NOTHING, I have even been told after I state "I have frozen reports, you won't be able to pull them until I unlock" The rep has responded back that won't stop us from getting a report to 30 seconds later saying "I'm not able to pull, not sure why!?"

"Told you so!!!"
Weren't you saying frozen will not stop but I'm saying yes it did and reps have said it won't stop them to then turn around and say they couldn't.
Somehow we are getting 2 different outcomes, I like yours better! I don't want to unlock!

I was saying told you so on the bolded statement as if you were telling the rep that after they couldnt pull your CR because it was frozen.

I'm on the assumption that GE pulls quarterly SP's frozen or not but will not pull any more unless you get denied and do a manual review which will mean unlocking the file for a SP.

OH Okay!

and I hope this 4 month thing is true... shoul be happening over next 30 days with my 5 new GE cards!! Ill update after that