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Just a guess here, but I think that they might not process your app until you call them and explain or unfreeze your EX report. They seem to always prefer EX, and even when they pull TU and EQ it is along with the EX pull.
@pizzadude wrote:
Just a guess here, but I think that they might not process your app until you call them and explain or unfreeze your EX report. They seem to always prefer EX, and even when they pull TU and EQ it is along with the EX pull.
That was my asumtion too
@Cotton_Britches wrote:Comments on the board seem to indicate that Amex pulls Experian. If Experian is frozen, will they pull another bureau or simply decline the app?
More than likely decline.