One caveat. You CAN get new accounts while your reports are frozen. You just can’t get any HPs.
Got it. I see. So that would be like getting a new American Express card when you have an existing one, when they usually do an SP anyway?
I dont really see that as a caveat because it requires pre-existing relationship with a lender
Unless you're talking about Open Sky, no one will issue a card if they cannot SP or HP.
Freeze does not stop existing lender from performing a SP, hence new account would be based on data from the pull and internal history with that lender.