Freezing your credit reports won't keep the majority of your current creditors from accessing your reports in order to decide on CLIs. If there's an exception for this, they'll let you know.
@Creditjunky37 wrote:Hi Guys,
I have a question that I feel is rather basic, however for some reason I don't know the answer.
I want to freeze all 3 of my bureaus but want to ensure this won't affect auto CLIs or me asking for one, unless of course they tell me a HP is required.
For some reason I feel like any computer algorithm will see the freeze and not allow for potential increases. Am I crazy?I'm expecting some positive changes to my credit in the coming months and want to door open for CLI or other offers available. Just don't want my Reports open.
thanks!
No, you're not crazy! 
I've had all three of mine frozen for about seven or eight years, and that hasn't prevented lots of CLIs! Both the auto-CLI kind and the self-initiated kind. It also hasn't prevented zillions of unsolicited offers from banks/cards/companies I don't already do business with, so you should be fine.
@masscredit wrote:
@SoCalGardener wrote:
I've had all three of mine frozen for about seven or eight years, and that hasn't prevented lots of CLIs! Both the auto-CLI kind and the self-initiated kind. It also hasn't prevented zillions of unsolicited offers from banks/cards/companies I don't already do business with, so you should be fine.I've heard about freezing credit reports but never really thought much about it until I saw all of the SPs while looking at my reports recently. PenFed even did two HPs for no reason the middle of last year (I wasn't paying them or my other cards before filing BK). I'm wrapping up getting new accounts for my rebuild and thinking about freezing my reports to keep prying eyes out. You still received a lot of unsolicited offers. I guess they get your info from other places (not your reports)?
No, as far as I know they're still getting my info from the credit bureaus, but as soft pulls. As I understand it, since it takes a hard pull to open a new line of credit, and freezing reports makes HPs impossible, you're protected from fraudsters opening credit in your name. (As happened to me 7-8 years ago.) But it doesn't prevent anyone from doing soft pulls. I have dozens and dozens....and dozens! of SPs on my reports, from banks I do business with as well as companies I've never even heard of. It seems like Discover does a soft pull more frequently than anyone else.
Anyway, freezing your reports might have prevented PenFed's HPs, but wouldn't stop anyone from doing SPs. Again, that's how *I* understand it. I could easily be wrong!