Freezing CB question

BearsAndTurtlesRtheBest · ‎06-26-2013

If you freeze lets say EQ can you still pull a credit report and score on any other crdit website for ex. my fico.com? Also do your current creditotrs still the power to sp your report?

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
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BearsAndTurtlesRtheBest · ‎06-26-2013

Somebody......

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

enharu · ‎06-27-2013

Myfico seems to be able to pull your EQ report even when it's frozen. However not for EX.

Current creditors can still SP you

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

guiness56 · ‎06-27-2013

Having a freeze should never prevent you from pulling your own report. That is to keep non current creditors from doing so.

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enharu · ‎06-27-2013

Several CMS sites, including experian and equifax FAKO score services cannot seem to pull any reports when file is frozen. The only way to pull a report from them is to buy a report directly or to dispute something or through the adverse action free report.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

guiness56 · ‎06-27-2013

Ok you are talking 3rd party reports.

I have a freeze and have no problem getting my EX from EX.

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takeshi74 · ‎06-28-2013

@BearsAndTurtlesRtheBest wrote:
Somebody......

If you need an immediate answer then a discussion forum is the wrong place to ask. Wait at least a day (certainly more than 50 minutes) for responses.

Google will yield much faster responses:

https://www.google.com/search?q=credit+report+security+freeze&rlz=1C1CHKZ_enUS437US437&oq=credit+rep...

Don't overlook site restricted searches as well:

https://www.google.com/search?q=credit+report+security+freeze&rlz=1C1CHKZ_enUS437US437&oq=credit+rep...

guiness56 · ‎06-28-2013

@takeshi74 wrote:
@BearsAndTurtlesRtheBest wrote:
Somebody......
If you need an immediate answer then a discussion forum is the wrong place to ask. Wait at least a day (certainly more than 50 minutes) for responses.

Google will yield much faster responses:
https://www.google.com/search?q=credit+report+security+freeze&rlz=1C1CHKZ_enUS437US437&oq=credit+rep...

Don't overlook site restricted searches as well:
https://www.google.com/search?q=credit+report+security+freeze&rlz=1C1CHKZ_enUS437US437&oq=credit+rep...

The internet may give faster responses but not all of them can be reliable.

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
Direct Dispute

BearsAndTurtlesRtheBest · ‎06-28-2013

Thanks for the response! Got it cleared.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

enharu · ‎06-29-2013

@guiness56 wrote:
Ok you are talking 3rd party reports.

I have a freeze and have no problem getting my EX from EX.

yea that's what i thought he was asking about.

sorry for the misunderstanding. looks like I got confused.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).