topic Re: Freezing reports = No Cli in Credit Cards

Freezing reports = No Cli

ronstar7 — Thu, 13 Nov 2014 15:21:26 GMT

At least it would seem in my case. I froze reports in Sept. and since then I been trying to get some luv by pressing the button and calling in. Tried with all Commentiy cards I have even the famous J Crew that just seems to spew out credit to all you wonderful people but no luck. So yesterday I tried Shell. I got it in July of this year the day after I got i hit the luv button bam $100 the next day I hit it agian bam $200. I left 4 months go by and figured why no try today. So I hit it yetserday then got a message to call them, which is weird becuase I never had to do this before. I called and she said do you have your Equifax frozen I said yes, she said oh thats why we cant grant the increase but if you just lift we will gladly process and see how much you can get. Didnt fee like going through it especially since I have to pay to lift even temporarily (i live in NJ). So i told her maybe next month. I plan to lift all 3 and ask for cli's for every card I have then freeze again. This is also true for me in terms of getting socres from: My Fico, Credit karma, Credit sesame, quizzle, credit.com, credit cards match. Freezing really blocks it all... at least for me.

Just thought I'd share in case any one was having the same issue

Re: Freezing reports = No Cli

Anonymous — Thu, 13 Nov 2014 15:25:51 GMT

@ronstar7 wrote:
At least it would seem in my case. I froze reports in Sept. and since then I been trying to get some luv by pressing the button and calling in. Tried with all Commentiy cards I have even the famous J Crew that just seems to spew out credit to all you wonderful people but no luck. So yesterday I tried Shell. I got it in July of this year the day after I got i hit the luv button bam $100 the next day I hit it agian bam $200. I left 4 months go by and figured why no try today. So I hit it yetserday then got a message to call them, which is weird becuase I never had to do this before. I called and she said do you have your Equifax frozen I said yes, she said oh thats why we cant grant the increase but if you just lift we will gladly process and see how much you can get. Didnt fee like going through it especially since I have to pay to lift even temporarily (i live in NJ). So i told her maybe next month. I plan to lift all 3 and ask for cli's for every card I have then freeze again. This is also true for me in terms of getting socres from: My Fico, Credit karma, Credit sesame, quizzle, credit.com, credit cards match. Freezing really blocks it all... at least for me.

Just thought I'd share in case any one was having the same issue

Freezing seems to be a mixed experience for many people which is why I haven't fooled with it as of yet. Good luck on those future CLI's

Re: Freezing reports = No Cli

taxi818 — Thu, 13 Nov 2014 15:28:14 GMT

Well I wanted to freeze until I found out it was 10 bucks. I just don't get it. My experian and trans rising fast my eq falling like a rock so I want to freeze eq. Even for cli.

Re: Freezing reports = No Cli

CreditCuriosity — Thu, 13 Nov 2014 15:52:37 GMT

I unfrooze them all as it causes more headaches then what it is worth.. I have daily monitoring on so will know immediately when something is out of wack... Just caused to many issues with reports, etc.

Re: Freezing reports = No Cli

ronstar7 — Thu, 13 Nov 2014 15:57:46 GMT

@Anonymous wrote:
@ronstar7 wrote:
At least it would seem in my case. I froze reports in Sept. and since then I been trying to get some luv by pressing the button and calling in. Tried with all Commentiy cards I have even the famous J Crew that just seems to spew out credit to all you wonderful people but no luck. So yesterday I tried Shell. I got it in July of this year the day after I got i hit the luv button bam $100 the next day I hit it agian bam $200. I left 4 months go by and figured why no try today. So I hit it yetserday then got a message to call them, which is weird becuase I never had to do this before. I called and she said do you have your Equifax frozen I said yes, she said oh thats why we cant grant the increase but if you just lift we will gladly process and see how much you can get. Didnt fee like going through it especially since I have to pay to lift even temporarily (i live in NJ). So i told her maybe next month. I plan to lift all 3 and ask for cli's for every card I have then freeze again. This is also true for me in terms of getting socres from: My Fico, Credit karma, Credit sesame, quizzle, credit.com, credit cards match. Freezing really blocks it all... at least for me.

Just thought I'd share in case any one was having the same issue
Freezing seems to be a mixed experience for many people which is why I haven't fooled with it as of yet. Good luck on those future CLI's

Thanks, yeah I did it to keep me from apping for cards I knew I wouldnt get anyway. Its working lol becasue I never want to go through the hassle of unfreezing.

Re: Freezing reports = No Cli

ronstar7 — Thu, 13 Nov 2014 15:58:45 GMT

@taxi818 wrote:
Well I wanted to freeze until I found out it was 10 bucks. I just don't get it. My experian and trans rising fast my eq falling like a rock so I want to freeze eq. Even for cli.

Wow $10! yeah thats crazy. Mine was free to put on for all 3 but to lift or remove permanantely is $5 each.

Re: Freezing reports = No Cli

ronstar7 — Thu, 13 Nov 2014 15:59:23 GMT

@CreditCuriousity wrote:
I unfrooze them all as it causes more headaches then what it is worth.. I have daily monitoring on so will know immediately when something is out of wack... Just caused to many issues with reports, etc.

Seems to be a headache but I didnt think it would be so sensitive. Oh well

Re: Freezing reports = No Cli

Ghoshida — Thu, 13 Nov 2014 16:52:16 GMT

@ronstar7 wrote:
@CreditCuriousity wrote:
I unfrooze them all as it causes more headaches then what it is worth.. I have daily monitoring on so will know immediately when something is out of wack... Just caused to many issues with reports, etc.
Seems to be a headache but I didnt think it would be so sensitive. Oh well

Freezing did help me prevent drapping.

Also, freezing did not stop my lenders from doing account review pulls; so I got all of my recent CLIs (Discover, Barclays, AMEX, Citi, Cap One using EO, and Chase) using soft pulls. Chase wants me to lift the freeze for doing a HP on my recent request, I'm now reconsidering it. Mostly, I'll pass. The freeze is helpful for someone with a relatively thin file from getting carried away and apping happily which is something I used to do earlier.

Downfall of freezing is not being able to access creditsesame.com. But I'm fine with it; I can always get my EX reports for free; and for EX FAKO, I have my US Bank Plus Score.

Re: Freezing reports = No Cli

Ghoshida — Thu, 13 Nov 2014 16:54:17 GMT

@ronstar7 wrote:
At least it would seem in my case. I froze reports in Sept. and since then I been trying to get some luv by pressing the button and calling in. Tried with all Commentiy cards I have even the famous J Crew that just seems to spew out credit to all you wonderful people but no luck. So yesterday I tried Shell. I got it in July of this year the day after I got i hit the luv button bam $100 the next day I hit it agian bam $200. I left 4 months go by and figured why no try today. So I hit it yetserday then got a message to call them, which is weird becuase I never had to do this before. I called and she said do you have your Equifax frozen I said yes, she said oh thats why we cant grant the increase but if you just lift we will gladly process and see how much you can get. Didnt fee like going through it especially since I have to pay to lift even temporarily (i live in NJ). So i told her maybe next month. I plan to lift all 3 and ask for cli's for every card I have then freeze again. This is also true for me in terms of getting socres from: My Fico, Credit karma, Credit sesame, quizzle, credit.com, credit cards match. Freezing really blocks it all... at least for me.

Just thought I'd share in case any one was having the same issue

This is weird because current lenders can pull your report through the freeze. One look at my reports show Cap One, Discover, Barclays, Chase, and AMEX pulling once / twice every month.

Sorry to hear that Comenity asks you to remove freeze.

Re: Freezing reports = No Cli

CreditCuriosity — Thu, 13 Nov 2014 17:08:52 GMT

@Ghoshida wrote:
@ronstar7 wrote:
@CreditCuriousity wrote:
I unfrooze them all as it causes more headaches then what it is worth.. I have daily monitoring on so will know immediately when something is out of wack... Just caused to many issues with reports, etc.
Seems to be a headache but I didnt think it would be so sensitive. Oh well
Freezing did help me prevent drapping.

Also, freezing did not stop my lenders from doing account review pulls; so I got all of my recent CLIs (Discover, Barclays, AMEX, Citi, Cap One using EO, and Chase) using soft pulls. Chase wants me to lift the freeze for doing a HP on my recent request, I'm now reconsidering it. Mostly, I'll pass. The freeze is helpful for someone with a relatively thin file from getting carried away and apping happily which is something I used to do earlier.

Downfall of freezing is not being able to access creditsesame.com. But I'm fine with it; I can always get my EX reports for free; and for EX FAKO, I have my US Bank Plus Score.

One can still perform drapping as we have the pins and can do a temp freeze removal.. Ask me how i know? When one tends to drink they don't make logical thought patterns or that is at least the case with me lol

Re: Freezing reports = No Cli

Anonymous — Thu, 13 Nov 2014 17:06:05 GMT

@Anonymous wrote:
@ronstar7 wrote:
At least it would seem in my case. I froze reports in Sept. and since then I been trying to get some luv by pressing the button and calling in. Tried with all Commentiy cards I have even the famous J Crew that just seems to spew out credit to all you wonderful people but no luck. So yesterday I tried Shell. I got it in July of this year the day after I got i hit the luv button bam $100 the next day I hit it agian bam $200. I left 4 months go by and figured why no try today. So I hit it yetserday then got a message to call them, which is weird becuase I never had to do this before. I called and she said do you have your Equifax frozen I said yes, she said oh thats why we cant grant the increase but if you just lift we will gladly process and see how much you can get. Didnt fee like going through it especially since I have to pay to lift even temporarily (i live in NJ). So i told her maybe next month. I plan to lift all 3 and ask for cli's for every card I have then freeze again. This is also true for me in terms of getting socres from: My Fico, Credit karma, Credit sesame, quizzle, credit.com, credit cards match. Freezing really blocks it all... at least for me.

Just thought I'd share in case any one was having the same issue
Freezing seems to be a mixed experience for many people which is why I haven't fooled with it as of yet. Good luck on those future CLI's

Nixon - you could try for a p/c on your Citi Diamond Preferred to a Citi Double Cash?

Re: Freezing reports = No Cli

Anonymous — Thu, 13 Nov 2014 17:12:27 GMT

@Anonymous wrote:
@Anonymous wrote:
@ronstar7 wrote:
At least it would seem in my case. I froze reports in Sept. and since then I been trying to get some luv by pressing the button and calling in. Tried with all Commentiy cards I have even the famous J Crew that just seems to spew out credit to all you wonderful people but no luck. So yesterday I tried Shell. I got it in July of this year the day after I got i hit the luv button bam $100 the next day I hit it agian bam $200. I left 4 months go by and figured why no try today. So I hit it yetserday then got a message to call them, which is weird becuase I never had to do this before. I called and she said do you have your Equifax frozen I said yes, she said oh thats why we cant grant the increase but if you just lift we will gladly process and see how much you can get. Didnt fee like going through it especially since I have to pay to lift even temporarily (i live in NJ). So i told her maybe next month. I plan to lift all 3 and ask for cli's for every card I have then freeze again. This is also true for me in terms of getting socres from: My Fico, Credit karma, Credit sesame, quizzle, credit.com, credit cards match. Freezing really blocks it all... at least for me.

Just thought I'd share in case any one was having the same issue
Freezing seems to be a mixed experience for many people which is why I haven't fooled with it as of yet. Good luck on those future CLI's
Nixon - you could try for a p/c on your Citi Diamond Preferred to a Citi Double Cash?

Once it's 12mos old and at a less useless limit, perhaps

Does Citi even do Visa -> MC PC's?

Re: Freezing reports = No Cli

Ghoshida — Thu, 13 Nov 2014 18:01:31 GMT

Well I'm super lazy so that one more step is a deterrent for me.

Without it, autofill will make me app in 30 sec and get rejected under 60 sec flat.