topic security freeze can stop inquiries ? in Rebuilding Your Credit

security freeze can stop inquiries ?

Anonymous — Sat, 20 Jul 2013 17:04:42 GMT

I place security freeze for my credit report, but still show up new inquiry from one of lender I just try. is this really work?

Re: security freeze can stop inquiries ?

Anonymous — Sun, 21 Jul 2013 02:57:34 GMT

You applied for new credit with a freeze in place and they were allowed access to your CR? Is that what you are saying?

Re: security freeze can stop inquiries ?

DaBears — Sun, 21 Jul 2013 13:15:08 GMT

+1 Guiness. No creditor is allowed to HP your credit report without authorization from you first.

Re: security freeze can stop inquiries ?

shols44 — Sun, 21 Jul 2013 15:36:30 GMT

You might want to check and see when the freeze was activated and when the INQ was placed. Once a freeze is in place, there is no way a hard INQ can go through unless you remove the freeze or provide the lender with a PIN.

Re: security freeze can stop inquiries ?

Anonymous — Sun, 21 Jul 2013 21:15:45 GMT

yes.I went online and put security freeze on my credit report in the morning. then I try apply for credit card in the afternoon.. 1h later I used USAA pulled my credit report. it showed 1 hp!!!!

Re: security freeze can stop inquiries ?

shols44 — Sun, 21 Jul 2013 21:19:30 GMT

What report did you freeze? USAA typically pulls EQ. If you didn't freeze all three, then its no surprise they would just pull another CRA. The other possibility is your freeze was not in effect quite yet before you applied.

On the flip side, what are you trying to accomplish by freezing then applying for credit? It just seems odd.

Re: security freeze can stop inquiries ?

Anonymous — Sun, 21 Jul 2013 22:05:05 GMT

It takes 5 days for a freeze to be active, it is not automatic.

Re: security freeze can stop inquiries ?

Anonymous — Sun, 21 Jul 2013 22:21:54 GMT

ok thanks guiness. I try to block myself for garden.