Entering "PRIME" Territory...

[CreditCrusader]

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@MarineVietVet wrote:

Just a reminder that freezing one CRA in an attempt to manipulate that another CRA is pulled for an inquiry is unethical and a violation of our credit repair guideliines.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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I have seen this alluded to before and would like some elucidation. Are there people freezing specific bureaus, thus forcing the company to pull a different (presumably better looking for the applicant) bureau i.e. EQ in lieu of EX?

[MarineVietVet]

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@CreditCrusader wrote:

 

I have seen this alluded to before and would like some elucidation. Are there people freezing specific bureaus, thus forcing the company to pull a different (presumably better looking for the applicant) bureau i.e. EQ in lieu of EX?

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That is the theory behind it. But by doing so a person is attempting to bypass having a legitimate inquiry being reported on a particular CRA.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[CreditCrusader]

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@MarineVietVet wrote:

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@CreditCrusader wrote:

 

I have seen this alluded to before and would like some elucidation. Are there people freezing specific bureaus, thus forcing the company to pull a different (presumably better looking for the applicant) bureau i.e. EQ in lieu of EX?

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That is the theory behind it. But by doing so a person is attempting to bypass having a legitimate inquiry being reported on a particular CRA.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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I completely agree with you on the ethics issue. I just wish the CRAs (Experian, I'm looking in your direction...) would hold up their end of the bargain by reporting accurate information in a timely manner. I spent 6 months getting items removed from their report that should have taken a small fraction of that time. In my estimation, it is equally unethical to essentially blacklist an applicant by using a notoriously difficult CRA to work with. WFNNB basically slammed the door in my face because they used EX and wouldn't consider the other, more accurate CRAs. Now when they pre-approve me in the checkouts and I give them the raspberry

Anyway...sorry...rant over!

[MarineVietVet]

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@CreditCrusader wrote:

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@MarineVietVet wrote:

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@CreditCrusader wrote:

 

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I completely agree with you on the ethics issue. I just wish the CRAs (Experian, I'm looking in your direction...) would hold up their end of the bargain by reporting accurate information in a timely manner. I spent 6 months getting items removed from their report that should have taken a small fraction of that time. In my estimation, it is equally unethical to essentially blacklist an applicant by using a notoriously difficult CRA to work with. WFNNB basically slammed the door in my face because they used EX and wouldn't consider the other, more accurate CRAs. Now when they pre-approve me in the checkouts and I give them the raspberry

Anyway...sorry...rant over!

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Amen! You won't get any argument from me on that issue!! 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

In addition (correct me if I'm wrong), now that I am a customer with Barclays I believe if I request a CLI, PC et al, Barclays is allowed by law to review my CR with either a hard or soft pull. I believe the CCC can access a frozen CR without my permission.