Pre Qualified Offers and Locked Reports

[CBrow]

Hey all,

Kind of a stupid question, but if your credit reports are frozen, are card issuers allowed to soft pull your credit for pre qualified offers? I tried AmEx today out of curiosity and they said that they couldn't find any for me at this time.

Cheers!

[gdale6]

Typically no, a possible exception is a SP with a creditor you already have business with.

[MrCreditInternational]

I also froze all my reports and I can't find any offers from any creditor. 

I think it's stupid since SP's are allowed when the report is frozen.

[Anonymous]

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@MrCreditInternational wrote:

I also froze all my reports and I can't find any offers from any creditor. 

I think it's stupid since SP's are allowed when the report is frozen.

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SPs while frozen are only allowed from existing creditors and they have to be coded as AR of an existing account, not for a new one. That's why you can't get offers from existing lenders either unless they're offered by them after doing their AR. 

[MrCreditInternational]

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@Anonymous wrote:

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@MrCreditInternational wrote:

I also froze all my reports and I can't find any offers from any creditor. 

I think it's stupid since SP's are allowed when the report is frozen.

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SPs while frozen are only allowed from existing creditors and they have to be coded as AR of an existing account, not for a new one. That's why you can't get offers from existing lenders either unless they're offered by them after doing their AR. 

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AR?

[SweetCreditObsession]

Account review