Will freezing a CR effect approval?

[Anonymous]

I just checked my FICO scores, and my EQ score is significantly lower than my other two. My scores are: Experian (741), Transunion (727) and Equifax (656). Once I get my high utilization down, I'm going to apply for a CapOne Venture, which I know does a triple pull. So I was wondering if I were to freeze my EQ report, would this have a negative impact on my application? I'm already pre-approved for the Venture at 17.99% and have been with CapOne for over 15 years. I'd just like to get the lowest interest rate + highest SL possible, and it seems like my EQ score could hold me back some.

[Skye12329]

It can affect an approval. Mainly because if the computer can't pull the bureau(s) it wants, then it might end up being a denial. There are a few threads where some members reported that Venture only pulled 2 bureaus, i know someone recently mentioned for them they pulled only TU and EX. But cap1 usually goes off of EQ.

[Anonymous]

If you freeze your EQ you will likely be denied. They pull all 3 but equifax is their primary, and they use EQ04 for Venture.

[taxi818]

Yep as stated. when i apped for venture my Eq was frozen. I was in shock i was denied. 30 days later i unfroze it and it was instant approval. so of course it can. if they pull the bureau that is actually frozen.

[Anonymous]

Thanks everyone, I'll definitely not freeze it then. Hopefully once I wipe the high balance off my existing CapOne, I can get my EQ near 700 and the others well over 750.