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Frozen Reports and Pre-Approvals

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DoroLucky
Valued Contributor

Frozen Reports and Pre-Approvals

I have all 3 of my reports frozen. Would like to know if I would still be able to find pre-approvals? I've checked several lenders and no pre-qual shows up. usually I'd normally see one from Cap 1 but not anymore and I'm not sure if it is because of the freeze. I'm aware that I can be soft pulled during the freeze. Is it likely I'm not finding any offers because there are noneSmiley SadSmiley Very Happy LOLOLOL??? or could it be the freeze?

 

I'm in the garden but sometimes I get credit bored and check the prequal sites just to see if anything pops up***SIGH***

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 1 of 14
13 REPLIES 13
Burned2manybridgesB4
Valued Contributor

Re: Frozen Reports and Pre-Approvals

Opt back in just in case

Message 2 of 14
woodyman100
Valued Contributor

Re: Frozen Reports and Pre-Approvals


@DoroLucky wrote:

I have all 3 of my reports frozen. Would like to know if I would still be able to find pre-approvals? I've checked several lenders and no pre-qual shows up. usually I'd normally see one from Cap 1 but not anymore and I'm not sure if it is because of the freeze. I'm aware that I can be soft pulled during the freeze. Is it likely I'm not finding any offers because there are noneSmiley SadSmiley Very Happy LOLOLOL??? or could it be the freeze?

 

I'm in the garden but sometimes I get credit bored and check the prequal sites just to see if anything pops up***SIGH***


I know exactly how you feel....

NFCU-ICCU-EECU-PSECU-DoverFCU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-Amarillo National Bank-BHG MC-CapitalOne-Regions-Goldman Sachs (Apple/GM)-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Bill
Message 3 of 14
kdm31091
Super Contributor

Re: Frozen Reports and Pre-Approvals

If you're thruthfully trying to garden a prequal is just going to tempt you anyway, so I would stay opted out if it's a temptation. I get that you just want to see what pops up but if you aren't applying anyway, what's the point?

Message 4 of 14
DoroLucky
Valued Contributor

Re: Frozen Reports and Pre-Approvals

I opted back in.

So could it be the freeze or do I just not have "it" anymore?😢😢😢
TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 5 of 14
DoroLucky
Valued Contributor

Re: Frozen Reports and Pre-Approvals

@KDM it's really out of credit boredom to see if I still got "IT". I need to let my accts age, inqs fall, baddies fall, and scores raise before I even think about another app. I have 1-4 (based on CR) inqs falling off next month.
TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 6 of 14
Burned2manybridgesB4
Valued Contributor

Re: Frozen Reports and Pre-Approvals

Gardening sucks anyways

Message 7 of 14
DoroLucky
Valued Contributor

Re: Frozen Reports and Pre-Approvals

Hahahahaha apping, new accts showing up, and seeing your scores you work hard to build dip sucks worse lol

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 8 of 14
Burned2manybridgesB4
Valued Contributor

Re: Frozen Reports and Pre-Approvals

Points, miles, cash....

 

What's the point of sitting in the sidelines for a spade gif, when money talks?

Message 9 of 14
DoroLucky
Valued Contributor

Re: Frozen Reports and Pre-Approvals

OMG you're the worse 😂😂😂😂😂😂

No thanks....I'm buried way under the dirt for now. Not even the CSR can get me out👊🏾👊🏾👊🏾
TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 10 of 14
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