Frozen Reports durring applications

MrTom · ‎07-30-2022

Just a quick question.

Does a report need to be unforzen for a Soft Pull durring the application or pre-approval process?

Its confising, because insurance companies can pull on a frozen report..

AMEX Delta Plantium SL: 5k Current $6,500

Caesars Rewards Visa SL: 4k Current 9,500

Starting Score: May 23, 2016 EQ 537 TU 518 EX 548
Recent Scores: EQ 839 TU 824 EX 821
Goal Score: 840
Current Vantage 3.0: 808
Mortgage Scores August 18 2017: EQ5 684 TU4 692 EX2 690

Brian_Earl_Spilner · ‎07-30-2022

Typically yes as you're applying for new credit.

Remedios · ‎07-30-2022

@MrTom wrote:
Just a quick question.
Does a report need to be unforzen for a Soft Pull durring the application or pre-approval process?
Its confising, because insurance companies can pull on a frozen report..

Which insurance are you talking about?

If you are not existing customer, no one should be able to perform SP/HP.

If you are existing customer, those like LN doing it on their behalf can, just like your existing lenders can do SPs.