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Auto CLI if Credit Report is Locked??

Sadie5150
Regular Contributor

Auto CLI if Credit Report is Locked??

Will the credit card company's give you an automatic CLI if your reports are locked?  Also, can they do a soft pull if they're locked?

Message 1 of 6
5 REPLIES 5
FinStar
Moderator

Re: Auto CLI if Credit Report is Locked??

From a periodic account review (AR) perspective, a variety of lenders can yield auto-CLIs if reports are locked and if the account is eligible.  That said, if you initiate the request, some of them would not be able to process the CLI request unless your CRs are unlocked.  A lender that comes to mind is SYNCB, which typically processes them via SP, but reports have to be accessible.

Message 2 of 6
Anonymous
Not applicable

Re: Auto CLI if Credit Report is Locked??

Creditors whom you have accounts with can still SP your reports when they're locked/frozen, and they can still issue auto CLIs.

 

Some won't approve CLI requests with locked reports even if they're SP CLIs, but others will.

 

Message 3 of 6
4sallypat
Frequent Contributor

Re: Auto CLI if Credit Report is Locked??

AH, very helpful - which explains why some banks do a SP while credit is locked and others deny when asked.

 

Most recently, Apple Card and Citibank both gave an automatic CLI which were SP and did not trigger an alert; while US  Bank denied due to locked account (HP) which they tried according to CK.

Message 4 of 6
benreily
Established Contributor

Re: Auto CLI if Credit Report is Locked??

Thank you for the information.

Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Dec 16, 2017)EQ > 720, EXP ?, TU > 730
From myfico.com EQ Score: (Mar 3, 2021) From myfico.com EQ Fico 8 792, Fico 9 816, TU Fico 8 789, EX Fico 8 768
Feb 1, 2021 AoOA 18 years, 10 months, AAoA 7 years, 10 months




Message 5 of 6
benreily
Established Contributor

Re: Auto CLI if Credit Report is Locked??

I learned about this

 

 

https://www.creditkarma.com/id-theft/i/lock-freeze-credit-file

https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs

 

 

Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Dec 16, 2017)EQ > 720, EXP ?, TU > 730
From myfico.com EQ Score: (Mar 3, 2021) From myfico.com EQ Fico 8 792, Fico 9 816, TU Fico 8 789, EX Fico 8 768
Feb 1, 2021 AoOA 18 years, 10 months, AAoA 7 years, 10 months




Message 6 of 6
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