Do files have to be unfrozen for account reviews?

[cr101]

I'm referring to CC companies doing regular reviews for CLI and whatever else they review for. Do they have access regardless bc you have a business relationship with them? After a spree and a major purchase coming up, I'm concerned about scaring off some creditors, so I'm hoping that freezing my files will prevent card closures or CL decreases.

[Anonymous]

A freeze will not prevent current creditors from accessing your file.

[Jnbmom]

In my experience no, they can still do ARs when your reports are locked. Heck even collections agencies can access them .

[AllZero]

Agreed with the above. Some lenders may SP more than one credit bureau.

[mikesonthemend]

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@cr101 wrote:

I'm referring to CC companies doing regular reviews for CLI and whatever else they review for. Do they have access regardless bc you have a business relationship with them? After a spree and a major purchase coming up, I'm concerned about scaring off some creditors, so I'm hoping that freezing my files will prevent card closures or CL decreases.

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All of your creditors will still have access. Some will not provide CLIs while frozen/

[Brian_Earl_Spilner]

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@Jnbmom wrote:
In my experience no, they can still do ARs when your reports are locked. Heck even collections agencies can access them .

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Collection agencies have access because once they take ownership of the debt they have permissable purpose. From the FCRA in regards to whom they release your reports:

To a person which it has reason to believe

1. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;

[spiritcraft1]

-Another relatd question.  If you have reports frozen but are opted in, will you still receive offers?

[AverageJoesCredit]

@spiritcraft1, its my understanding that as long as you dont have fraud alerts on your reports, you should still be able to get offers if you are opted in. Since i usually always have fraud alerts active on my reports i never get offers.

[M_Smart007]

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@AverageJoesCredit wrote:
@spiritcraft1, its my understanding that as long as you dont have fraud alerts on your reports, you should still be able to get offers if you are opted in. Since i usually always have fraud alerts active on my reports i never get offers.

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"i never get offers."

[spiritcraft1]

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@AverageJoesCredit wrote:
@spiritcraft1, its my understanding that as long as you dont have fraud alerts on your reports, you should still be able to get offers if you are opted in. Since i usually always have fraud alerts active on my reports i never get offers.

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Thank you.  I just started freezing my reports but was curious about "offers".  So far, I don't get any good offers but that will change one day!