@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.
@805orbust wrote:@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.
@805orbust I'm happy to have found these threads I didn't realize you could do that without it being some sort of identity theft. Mine are all frozen now.
@805orbust wrote:@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.
@805orbust Can you do a preq. - soft pull - with them frozen?
@butterpecan escribió:
@805orbust wrote:@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.
@805orbust Can you do a preq. - soft pull - with them frozen?
Hey there! No, you typically cannot, unless you have a pre-existing relationship with them. This is why FRs on a CC, or auto-CLIs can take place even while your CRs are frozen.
@PayAndProsper wrote:
@butterpecan escribió:
@805orbust wrote:@butterpecan definitely. I keep all 3 frozen all the time except when applying, I'll thaw them for 2 days. @coldfusion spelled it out perfectly.
@805orbust Can you do a preq. - soft pull - with them frozen?
Hey there! No, you typically cannot, unless you have a pre-existing relationship with them. This is why FRs on a CC, or auto-CLIs can take place even while your CRs are frozen.
@PayAndProsper Ah. Ok, thank you it makes sense now. So NFCU, for example, can still take a peek on a soft pull to review my reports because I have a secured CC with them. Got it.
That's correct. I do soft pulls for increases all the time (well, not all the time) with my reports frozen. Never an issue. Actually, I've had soft-pulls for pre-qual's for new credit cards twice with issuers I had no account with. I keep my reports frozen ALL the time!!
@805orbust wrote:That's correct. I do soft pulls for increases all the time (well, not all the time) with my reports frozen. Never an issue. Actually, I've had soft-pulls for pre-qual's for new credit cards twice with issuers I had no account with. I keep my reports frozen ALL the time!!
@805orbust Ah, thank you I now understand. I do still want to be able to prequalify for a credit card so that's good to know because I froze mine a few days ago for the 1st time ever. Do you freeze just the 3 credit reports or the Sagestream/Lexis Nexis reports too? I read posts on here from 5 years ago but nothing solid from right now as to whether to freeze them or not. I don't have a clear understanding of why they are frozen I better understand what's on them is all.
Personally I've frozen all of them. The big 3, Sagestream, Innovis, and Lexis. Two of them merged iirc. In my case the SS, Inno, and L/N were VERY accurate. No red flags at all. They are a little more difficult to freeze as you've got to do it via snail-mail, so much more time is involved. With EQ, EX, and TU, the process takes just a few minutes online... very easy. It seems like the SS, Inno, and L/N are used mostly for identity verification. I've had those frozen for 3 years. I've had about 8 new accounts in that time and only once had an issue. On the Truist soft-pull pre-qual site they told me they were unable to verify my identity, so I just didn't bother moving forward with the app. Other than that, no issues. I'm sure that when I app for my next mortgage, I'll have to open all 6 up, but we'll see. Very happy with keeping everything frozen. 
@805orbust Your tradeline looks very happy too, job well done. I want to freeze it all too no doubt. Thank you for explaining how you had to do the Sagestream etc. I saw that on Google when I sesrched but I prefer to also get real time up to date info here. I am thankful for the information and data you've shared this helps us beginning the journey. If I had known even half of the things I've learned here in just 2 short months all along I'd be in a better place. Since joining in April while following along with advice and researching etc. my EQ FICO score has went from a 522 to a 600. I promise you I'll still be asking g you questions though.
@butterpecan all good my friend. It's what I love about the crowd here. The learning never stops. I've been here for perhaps 8 years and still ask questions all the time. There are people here that are a treasure-trove of knowledge and I still seek them out. 🙂