Frozen Reports and Pre-Approvals

[Anonymous]

All 3 of my reports are frozen, and I don't get any prequals on anything either. When I froze everything, all of my scores were around 750, but the last 4-5 months, they've been 780+. My TU score this month from Discover is exactly 800, but I still don't get anything, even from Cap1.

Also right before I froze everything (I think back in Nov or Dec, or possibly Jan), I was getting A LOT of physical mailers from Citi, PNC, WF, Barclays, Amex, and others for pre-approved/pre-qualified cards. I was also getting pre-qualified mailers from Lending Club and Discover for personal loans. When everything went on ice, all of that stopped almost immediately. Again, my scores have only gone up since then, so I can only assume it's because my reports are frozen and/or i was automatically opted-out.

[DoroLucky]

@lotsofpens, thanks for responding. I was in the same boat with prequal mailers but not anymore. You've confirmed exactly what I think is happening to me.

[Ghoshida]

Freezing often blocks prequals especially for new lenders.

AMEX offers such as 50k PRG came through the freeze.

Chase CSR prequal im branch happened through the freeze, I couldn't get anything online.

Cap One, Citi, US Bank won't be able to show anything online when reports are frozen.

It also removes the temptation.

[DoroLucky]

Ghoshida, I'm further convinced now. Thanks for your input!