Applying for a CC when frozen

[NC84]

I applied for a cc with 2 out 3 bureaus frozen and got an email from the cc company that my account had to be unfrozen to continue. How long do these bureaus have to be frozen before pending cc applications expire? Does this mean if I lift the freeze it will automatically hard pull?

[thornback]

Typically, you have to unfreeze then call the creditor to continue / complete the app over the phone, then you'll get the hard pull. The pull won't occur unless you notify them that the report is unfrozen. Once you see the HP hit your reports, you can re-freeze.

Pending app expiration varies by creditor - anywhere from 7-30 days.

[NC84]

Thanks for the info! 

[jim44]

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@NC84 wrote:

I applied for a cc with 2 out 3 bureaus frozen and got an email from the cc company that my account had to be unfrozen to continue. How long do these bureaus have to be frozen before pending cc applications expire? Does this mean if I lift the freeze it will automatically hard pull?

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I'm a bit naive here but why does a person freeze their CB accts?  Is it to avoid soft pulls for preapproved offers?  If so, isn't there an "opt out' form you can complete that prevents creditors from offering you preapproval offers?  Just curious.  

[Anonymous]

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@jim44 wrote:

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@NC84 wrote:

I applied for a cc with 2 out 3 bureaus frozen and got an email from the cc company that my account had to be unfrozen to continue. How long do these bureaus have to be frozen before pending cc applications expire? Does this mean if I lift the freeze it will automatically hard pull?

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I'm a bit naive here but why does a person freeze their CB accts?  Is it to avoid soft pulls for preapproved offers?  If so, isn't there an "opt out' form you can complete that prevents creditors from offering you preapproval offers?  Just curious.  

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It’s to prevent hard pulls so people can’t open new accounts in your name. 

Although it does prevent SPs for new creditors other than the SPs for prescreened offers — in fact Synchrony can’t process a CLI request if your TU is frozen. 

Some of us in the garden put our files on ice so that we can’t app for things.