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Credit Profile Frozen

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Credit Profile Frozen

Does that means that I won't be able to see pre-offers if I visit credit card websites?

American Express Blue Cash Every | Discover it | Citi Double Cash | Capital One Quicksilver | Capital One Quicksilver One | Barclay Rewards | Amazon Store Card | PayPal Credit | J. Crew | Old Navy All approved in 2015. Garden Club member since 10/13/2015. Credit score 742+.
Message 1 of 4
3 REPLIES 3
Community Leader
Mega Contributor

Re: Credit Profile Frozen

I believe when you freeze your credit reports they put you on a list for something like 5 years where they wont give your info out thus probably no mailers. This is my understanding but i could be wrong. I have 2 files frozen and received a paper from Ex that i could permanently opt out if i wanted. Never got that from TU but believe am on a 5 year list. Hope that helpsSmiley Happy
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Message 2 of 4
Community Leader
Senior Contributor

Re: Credit Profile Frozen

Even with my reports frozen, I was still able to see prequals from CapOne.

Message 3 of 4
Senior Contributor

Re: Credit Profile Frozen

If you have an account with a creditor they can still SP with a freeze in place.

 


@AverageJoesCredit wrote:
I believe when you freeze your credit reports they put you on a list for something like 5 years where they wont give your info out thus probably no mailers.

I think you're conflating a freeze with opting out.  A freeze prevents pulls of your reports unless authorized.  The opt out site allows you to opt out for 5 years, permanently and opt in,

Message 4 of 4
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