topic Re: reapply closed account while frozen question... in Credit Cards

reapply closed account while frozen question...

EvilR-T — Sun, 13 Jul 2014 13:57:48 GMT

so I had a JCB card 2 years ago. the creditor closed my account I'm assuming by doing soft pulls and noticing I was at nearly maxed on all my cards with a score in the high 500s. I now have a score in the 730s and utilization is in the 20/30% range with just a balance on 2 out of 12 cards. I have since frozen all 3 reports AFTER JCB closed my account. so when I apply for second new card, will JCB be able to access my report?

Re: reapply closed account while frozen question...

coldnmn — Sun, 13 Jul 2014 13:59:45 GMT

Not until you unfreeze your credit reports.

Re: reapply closed account while frozen question...

Anonymous — Sun, 13 Jul 2014 14:05:56 GMT

When it comes to Cap1/Chase/Citi/Bank of America have all your credit reports open or when you call for RECON have the PIN # ready with you for whichever Bureau they ask of.

I recently applied for Chase Freedom & had EX available but i was told that i would need to un-freeze my TransUnion and EQ if i wanted to be considered for the app.

I flatly denied unfreezing.

Re: reapply closed account while frozen question...

EvilR-T — Sun, 13 Jul 2014 14:14:36 GMT

damnit. all 3? who do they pull?

Re: reapply closed account while frozen question...

Anonymous — Sun, 13 Jul 2014 14:36:44 GMT

they pulled all three credit bureaus. as of June 2014. I m in Texas.

Re: reapply closed account while frozen question...

EvilR-T — Sun, 13 Jul 2014 14:42:09 GMT

wait. JCB pulls all 3? if that's the case then forget it.

Re: reapply closed account while frozen question...

s_haliz — Sun, 13 Jul 2014 14:41:32 GMT

Quite unusual for them to pull all three. However it is not unheard of.....Normally they pull just one.

Re: reapply closed account while frozen question...

EvilR-T — Sun, 13 Jul 2014 14:48:14 GMT

JCB does it very old school. I have to use pen, fill out the form, get a stamp and mail it in. I guess I'll call Monday and see if I can get any answers. in the meantime they are still reporting a paid on time status to the CBs.

Re: reapply closed account while frozen question...

EvilR-T — Sun, 13 Jul 2014 15:11:27 GMT

ok so instead of searching my question, I just searched jcb here. found out a lot and I think I'll get my Amex 3x cli first, wait 3 months, then apply for JCB. they pull EX and/or sometimes TU.