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My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit first?

striders
Valued Member

My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit first?

I have freezed all my credit reports (3 bureaus) for years. From my experience, no one can apply for credit or creditor cannot do an inquiry without me unfreezing the credit. I actually have a number of occasions where I applied for a credit card and the bank asked me to call them. Then they said my credit is frozen and I have to unfreeze it first. I unfreeze it and put the end date so the freeze will be reactivated.

 

A few days back, I applied for an apartment and I forgot to unfreeze my credit. The leasing agent was able to pull my credit from TransUnion and a hard inquiry was placed WITHOUT me unfreezing my TU credit first.

 

This is not a fraud because I was the one applying, but I thought credit freeze was supposed to stop inquiry until I unfreeze it?

Message 1 of 9
8 REPLIES 8
rooeez
Regular Contributor

Re: My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit fir

You would think. Similar thing happened to me. With my credit union I was planning to apply for a loan. I got an auto-reject because I had forgot to unfreeze my reports. I subsequently decided to not apply and left it until I got an alert of the hard inquiry. I got another hard inquiry a month later when it tried to repull my report (I didn't cancel the application). I called the CSR and they said it shouldn't be a hard inquiry since they couldn't pull the report, but both are still on my report.


| TCL = $273,100 | TU FICO 8: 784 | EX FICO 8: 789 | EQ FICO 8: 786|
Message 2 of 9
creditkibble
New Member

Re: My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit fir

Did you do a freeze or an extended fraud alert?

Message 3 of 9
striders
Valued Member

Re: My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit fir

It’s a freeze.


@creditkibble wrote:

Did you do a freeze or an extended fraud alert?


 

Message 4 of 9
Saeren
Mega Contributor

Re: My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit fir

Call TU. Shouldn’t have happened. 





Message 5 of 9
Birdman7
Super Contributor

Re: My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit fir

Agreed should not have happened
-Community’s scoring wisdom: Scoring Primer.
-Revised: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.





(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 6 of 9
Saeren
Mega Contributor

Re: My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit fir


@Birdman7 wrote:
I think rentals are exempted.

From the FTC:

 

A credit freeze does not:

 

  • keep you from opening a new account, applying for a job, renting an apartment, or buying insurance. But if you’re doing any of these, you’ll need to lift the freeze temporarily, either for a specific time or for a specific party, say, a potential landlord or employer. It’s free to lift the freeze and free to place it again when you’re done accessing your credit.  

https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs

 

So you definitely should have to lift the freeze when hunting for an apartment. 





Message 7 of 9
Birdman7
Super Contributor

Re: My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit fir

@ Saeren you beat me to it I went straight to the FTC and looked it up and then came back and corrected it
-Community’s scoring wisdom: Scoring Primer.
-Revised: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.





(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 8 of 9
Saeren
Mega Contributor

Re: My credit are frozen but creditor can still do hard inquiry WITHOUT me unfreezing the credit fir


@Birdman7 wrote:
@ Saeren you beat me to it I went straight to the FTC and looked it up and then came back and corrected it

I’m like a ninja 🤣 





Message 9 of 9
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