Do files have to be unfrozen for account reviews?

[spiritcraft1]

---

@M_Smart007 wrote:

---

@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.

---

"i never get offers."

---

Are you opted out?

[AverageJoesCredit]

Lol, the only offers i ever got was at begining of my rebuild by Discover, yes it took me 6 hps on 5 tries before they even approved me ( even with mailers) and like 2 mailers for Citi DC. That was over 4 years ago.....nothing since ....oh except a trick by Penfed for their PC card.....i know anything i get from PF going forward is the sic joke from a jokester in their credit marketing dept

[longtimelurker]

---

@mikesonthemend wrote:

---

@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.

---

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

---

Yes, e.g. Sync requires your (usually) TU is unfrozen before considering a CLI.    Presumably to allow them to do a HP if something determines that they should!

[Anonymous]

---

@longtimelurker wrote:

---

@mikesonthemend wrote:

---

@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.

---

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

---

Yes, e.g. Sync requires your (usually) TU is unfrozen before considering a CLI.    Presumably to allow them to do a HP if something determines that they should!

---

Interesting. I tried for a Lowe's CLI a few month back and was denied. All of my files were frozen at the time.  I unlocked TU. With recent activity, they may attempt to do an auto CLI in the future.  Or maybe I don't fit their profile for a larger CL.  

[soxfaininfl]

I decided to test to see if I was still prequalified with Capital One when I locked my Experian account. As soon as I locked my account, I was no longer prequalified by Cap1 for 4 of their cards. I unlocked my account, and it took a day for Cap1 to show the same cards that I was prequalified for before I locked my account.