@Anonymous wrote:
Update: no CLI for me! Will try again in six months.
I hate that
.. Hope it works for you next time.
@Remedios wrote:
@kerplunk wrote:
@Anonymous wrote:
@Ardecko wrote:
@Anonymous wrote:
I should freeze my CRs before I request one.That's not how pulls work for companies you already do business with. They can HP you even if your reports are locked.
This isn't true.
Sorry you didn't score a CLI @FettHutt -- next time for sure.
A freeze only prevents new credit inquiries. It does not prevent creditors that you have an established relationship with to pull a hard inquiry.
Actually, it prevents HPs from existing creditors
They can perform SPs every minute, but not HPs.
That's just how it is.
And even though an existing creditor only wants to SP, they still want your reports unfrozen to consider a CLI.
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