topic Re: CLI with Frozen Reports? in Credit Cards

CLI with Frozen Reports?

j_casteel — Fri, 06 Jun 2014 22:26:23 GMT

If one wanted to try for a CLI while the reports are frozen, and the lender wanted to do a HP instead of a SP would it just not go through? Or since it is a current lender and not a new lender the HP would just go through as normal?

Re: CLI with Frozen Reports?

myjourney — Fri, 06 Jun 2014 23:03:00 GMT

@j_casteel wrote:
If one wanted to try for a CLI while the reports are frozen, and the lender wanted to do a HP instead of a SP would it just not go through? Or since it is a current lender and not a new lender the HP would just go through as normal?

Current lender ....Its going through

Re: CLI with Frozen Reports?

maiden_girl — Fri, 06 Jun 2014 23:04:26 GMT

My understanding that even if it's a current lender and it requires a HP...your report will need to be unfrozen. But only current lenders can do a SP with your CR still locked.

Re: CLI with Frozen Reports?

j_casteel — Fri, 06 Jun 2014 23:13:51 GMT

Hmm, opposing answers.

Anyone else have info?

Re: CLI with Frozen Reports?

maiden_girl — Fri, 06 Jun 2014 23:22:00 GMT

Interesting topic tho. I can't really find any information on if freezing still allows current lenders to HP you...

Re: CLI with Frozen Reports?

baller4life — Fri, 06 Jun 2014 23:22:37 GMT

GECRB made me thaw TU for even a sp. Said they couldn't pull it.

Re: CLI with Frozen Reports?

j_casteel — Fri, 06 Jun 2014 23:23:59 GMT

Really? I thought for sure SP's were fine? I still get SW updates.

Re: CLI with Frozen Reports?

myjourney — Fri, 06 Jun 2014 23:35:16 GMT

I've seen different answers to this question but this is from EX

So I guess its a YMMV deal

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: CLI with Frozen Reports?

maiden_girl — Fri, 06 Jun 2014 23:58:39 GMT

That's good to know!

YMMV pretty much. Ha.

Re: CLI with Frozen Reports?

myjourney — Sat, 07 Jun 2014 00:08:13 GMT

@maiden_girl wrote:
That's good to know!

YMMV pretty much. Ha.

Seems that way I did some more research

TU doesn't say

EQ list this

There are various exceptions to a security freeze, including those which vary by state law, and those under the Equifax voluntary security freeze program that may allow someone to access your credit report. However, some common exceptions are the following:

Companies that have a current account or relationship with you, and collection agencies acting on behalf of these companies

Re: CLI with Frozen Reports?

j_casteel — Sat, 07 Jun 2014 02:06:04 GMT

Thanks for the info!

Re: CLI with Frozen Reports?

ExplicitElicit — Sat, 07 Jun 2014 04:36:00 GMT

Anyone know how EX reacts to frozen reports when a lender wants to SP? I recently obtained my Amex ED and obviously am anxious for the 61 day 3x cli but I know they generally sp often the first few months your approved. So I'm really wanting to freeze my reports but don't want to chance not getting my cli from amex when the time comes. Thanks for the good info so far..

-iPhone 5S

Re: CLI with Frozen Reports?

virgo — Sat, 07 Jun 2014 06:22:02 GMT

I froze Experian two days ago. Because I sued them two 1/2 yrs ago, anytime I want to do anything with my report I must speak directly with someone in legal. Their rule.

Since it is the same woman who appeared in court on their behalf, knew who I was talking to.

I specifically asked: Will a freeze prohibit my current lenders from soft pulling and will I still see my info thru my credit monitoring?

Qutoe from Experian: "'A freeze will only stop a new app from going through" "there will notbe an issue with credit monitoring or softs" WRONG

Not only can I not soft my own report with my credit monitoring, but when I asked for a CLI for my Chase Freedom, I was declilned because they couldn't pull Experian because of the freeze.

Re: CLI with Frozen Reports?

j_casteel — Sat, 07 Jun 2014 07:44:06 GMT

@virgo wrote:
I froze Experian two days ago. Because I sued them two 1/2 yrs ago, anytime I want to do anything with my report I must speak directly with someone in legal. Their rule.

Since it is the same woman who appeared in court on their behalf, knew who I was talking to.

I specifically asked: Will a freeze prohibit my current lenders from soft pulling and will I still see my info thru my credit monitoring?

Qutoe from Experian: "'A freeze will only stop a new app from going through" "there will notbe an issue with credit monitoring or softs" WRONG

Not only can I not soft my own report with my credit monitoring, but when I asked for a CLI for my Chase Freedom, I was declilned because they couldn't pull Experian because of the freeze.

Weird, I froze my EQ last week and I just got a SW update and new score/report yesterday.

Re: CLI with Frozen Reports?

baller4life — Sat, 07 Jun 2014 11:14:02 GMT

I can pull through USAA monitoring just fine thru a freeze. Been doing it for months.