Can a lender do a soft inquiry or an AR if your account is locked?

[Anonymous]

I'm curious about this as my reports are locked up on EQ and EX. My concern is the AR review from NFCU. I'm about to hit my 6th statement on a few of my cards and I know a lot of lenders do a soft pull inquiry and NFCU does an AR every other month. Would they still be able to do a soft pull if my accounts are locked? I'm aware no hardpulls can be done.

[AverageJoesCredit]

I have gotten a sl cli while my Eq was froze.

[UncleB]

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@Anonymous wrote:

I'm curious about this as my reports are locked up on EQ and EX. My concern is the AR review from NFCU. I'm about to hit my 6th statement on a few of my cards and I know a lot of lenders do a soft pull inquiry and NFCU does an AR every other month. Would they still be able to do a soft pull if my accounts are locked? I'm aware no hardpulls can be done.

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Yes, a creditor can do an AR (account review) of an existing customer even if the reports are locked/frozen.