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Selective Freeze or Not - BofA and US Bank

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Jazee
Frequent Contributor

Selective Freeze or Not - BofA and US Bank

I'm about to app for just 2 cards I want.  BofA Custom Cash and US Bank Altitude Connect. Experian seems to be mentioned most for BofA pulls and TransUnion for US Bank although of course YMMV and there's no guarantee.

 

My question is, with 0/24 inquires (and 0/36 new accounts) is there is there any significant advantage to freezing TU on the BofA app and unfreezing TU and freezing EX on the US Bank app? I think the likelihood that both would pull EQ is next to zero so I'd just leave that unfrozen for both.  Would worse case scenario be I have to recon and they ask me to unfreeze a bureau and then reprocess the app or could it do more harm than good in ultimately getting approved?

 

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3 REPLIES 3
FicoMike0
Valued Contributor

Re: Selective Freeze or Not - BofA and US Bank

I apped us b connect with only tu thawed. Instant approval.

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Jazee
Frequent Contributor

Re: Selective Freeze or Not - BofA and US Bank


@FicoMike0 wrote:

I apped us b connect with only tu thawed. Instant approval.


Thanks. I'm at a loss as to best strategy. If I go USBank first and freeze all but TU then unfreeze EX and EQ and app BofA there's a chance BofA could pull TU in addition to EX and vice versa. 

 

I know it's all a bit of a black box but maybe some of the veterans here can recommend optimal strategy?

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Gunnerboy
Established Contributor

Re: Selective Freeze or Not - BofA and US Bank

I'm in WA state. Elan/US Bank only pulled TU for my Fidelity card. EQ and EX were frozen at the time.

 

I forget who BoA pulled for my Alaska Airlines, but I know they only needed EX to open my savings account.



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