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They want me to remove security freeze for soft pull?

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Anonymous
Not applicable

They want me to remove security freeze for soft pull?

So I called credit solutions to ask for a CLI on my walmart store card.

They asked me to remove my security freeze on transunion but gaurentee it will be a SOFT PULL.

 

Is this correct before I call back and request again?

Thanks!

Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: They want me to remove security freeze for soft pull?

They are not telling you the truth.  If it is a softpull, they should be able to get access to your report even if it is on ice.  Methinks this will be a hardpull...

Message 2 of 11
TRC_WA
Senior Contributor

Re: They want me to remove security freeze for soft pull?

Every Walmart CLI request I put in was a SP... but I've never frozen my reports.

 

 

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 3 of 11
baller4life
Super Contributor

Re: They want me to remove security freeze for soft pull?

It's a soft pull. But for whatever reason they can not pull thru a freeze. I've had to thaw TU a few times before in order for them to access it. Strange. But very true.
Message 4 of 11
DeeBee78
Valued Contributor

Re: They want me to remove security freeze for soft pull?


@Anonymous wrote:

They are not telling you the truth.  If it is a softpull, they should be able to get access to your report even if it is on ice.  Methinks this will be a hardpull...


I'm sorry, but that's not correct in regards to this lender. I had this same experience last week. Synchrony will not SP through a freeze, even if the provisions allow for it. 

 

I unfroze my TU and went from $1,200 to $3,500. 

Message 5 of 11
Anonymous
Not applicable

Re: They want me to remove security freeze for soft pull?


@DeeBee78 wrote:

@Anonymous wrote:

They are not telling you the truth.  If it is a softpull, they should be able to get access to your report even if it is on ice.  Methinks this will be a hardpull...


I'm sorry, but that's not correct with this lender. I had this same experience last week. Synchrony will not SP through a freeze, even if the provisions allow for it. 

 

I unfroze my TU and went from $1,200 to $3,500. 


Thats interesting as my lowes is through though Synchrony.  When I asked to have my lowes card increased, she said they need to pull a report and mind you mine is also on ice..  Waited and came back with positive news. Never asking me to remove freezes.  

Message 6 of 11
Anonymous
Not applicable

Re: They want me to remove security freeze for soft pull?

Yelp!
I unfroze and went from $8k to $10k via a soft pull!
Thanks for the info guys! Happy with the result.
Message 7 of 11
Scupra
Super Contributor

Re: They want me to remove security freeze for soft pull?

Same with Amazon, they always ask me to remove freeze.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 8 of 11
Anonymous
Not applicable

Re: They want me to remove security freeze for soft pull?

They lied to you. This is not correct. Credit Solution will be making a hard inquiry because it will not be a  promotional offer to you.

Message 9 of 11
Anonymous
Not applicable

Re: They want me to remove security freeze for soft pull?

And I should believe the member above with "1" post. 

It was a soft pull. Ive called credit solutions in the past and had the same success I had today via a soft pull. 

Message 10 of 11
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