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Can anyone confirm that they actually indeed got SP CLIs while their reports were locked?
The reason I ask is that I can't get SP preapprovals through BBVA or BB&T while my reports are locked. I can immediately unlock them and get SP preapprovals with them.
I'm not sure why that would be, but it is. How is US Bank/Elan regarding this?
It can go either way.
You could ask with all your reports frozen and get increase, or they could attempt the pull.
I've had both happen, but CLIs with HP followed by manual review were huge in comparison to what puter thought I should get.
That's just me, though. I don't mind HP as long as they are traded for something I need.
When I attempted an online cli request with US Bank, I received notice that they attempted a HP on TU. Since all are frozen, I can only assume this is why it wasn't approved.
It has been over two weeks and I have yet to receive a letter as to why it was denied (somewhat normal for US Bank).
@Winesnoblv wrote:When I attempted an online cli request with US Bank, I received notice that they attempted a HP on TU. Since all are frozen, I can only assume this is why it wasn't approved.
It has been over two weeks and I have yet to receive a letter as to why it was denied (somewhat normal for US Bank).
You should be receiving a letter informing you have 30 days from the day on the letter to unfreeze and call them when they are not frozen.
You will not get any other "denial" reason since it's in pending status.
If you do not go through with it, there will be no other letters (as in official denial).
They gave me a SL of 9K(Cash+) about 2 yrs ago and twice they wanted me to unfreeze my reports. I don't even bother anymore.
I've gotten several US bank CLI's with my TU frozen. So yeah, it is possible for them to soft pull.
I can confirm. 3 SP CLI in two years. Last was about two months ago on 4 US Bank cards and my Fidelity card. My reports are always locked
@JNA1 wrote:Can anyone confirm that they actually indeed got SP CLIs while their reports were locked?
The reason I ask is that I can't get SP preapprovals through BBVA or BB&T while my reports are locked. I can immediately unlock them and get SP preapprovals with them.
I'm not sure why that would be, but it is. How is US Bank/Elan regarding this?
Awesome, thanks! That's what I needed to know!