Experian freeze issue suggestions?

[Traveler101]

Whenever I have unfrozen my experian report, there has never been an issue. Unfreeze and apply. Well, not this time. It says unfrozen, I called in and spoke to a representative who agreed, unfrozen. No freeze no lock. I have been attempting several times to join into a credit union, who after several attempts cannot do a sp due to a freeze on Experian. 

I went to chases site for giggles. Attempting to do a sp. Came back, frozen file. 

Does anyone have a suggestion or a clue as to what the problem may be? Truly frustrating. 

[GZG]

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@Traveler101 wrote:

Whenever I have unfrozen my experian report, there has never been an issue. Unfreeze and apply. Well, not this time. It says unfrozen, I called in and spoke to a representative who agreed, unfrozen. No freeze no lock. I have been attempting several times to join into a credit union, who after several attempts cannot do a sp due to a freeze on Experian. 

I went to chases site for giggles. Attempting to do a sp. Came back, frozen file. 

Does anyone have a suggestion or a clue as to what the problem may be? Truly frustrating. 

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do you have it locked? 

freeze and lock are seperate and in two different places on the experian website 

[Traveler101]

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@GZG wrote:

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@Traveler101 wrote:

Whenever I have unfrozen my experian report, there has never been an issue. Unfreeze and apply. Well, not this time. It says unfrozen, I called in and spoke to a representative who agreed, unfrozen. No freeze no lock. I have been attempting several times to join into a credit union, who after several attempts cannot do a sp due to a freeze on Experian. 

I went to chases site for giggles. Attempting to do a sp. Came back, frozen file. 

Does anyone have a suggestion or a clue as to what the problem may be? Truly frustrating. 

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do you have it locked? 

freeze and lock are seperate and in two different places on the experian website 

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Unfrozen and no lock. The csr at experian confirmed neither are active. It shows on their side that the file is accessible.

[GZG]

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@Traveler101 wrote:

I went to chases site for giggles. Attempting to do a sp. Came back, frozen file. 

Does anyone have a suggestion or a clue as to what the problem may be? Truly frustrating. 

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with chase, whatever they use to do the pre-qualify SP on the Prime Visa card doesn't work unless the file has been unfrozen for an extended period of time, at least a day or so, otherwise it will just kick back 'can't access' or 'frozen file'  even if the report is actually unfrozen

I wonder if this is the same thing happening with this credit union, is this a big CU or just a local CU where you might be able to ask them to pull TU/EQ?

only other thing I can think of is any third parties that allow locks, like how you can lock TU with the paid version of Wallethub or something

[Traveler101]

I

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@GZG wrote:

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@Traveler101 wrote:

I went to chases site for giggles. Attempting to do a sp. Came back, frozen file. 

Does anyone have a suggestion or a clue as to what the problem may be? Truly frustrating. 

---

with chase, whatever they use to do the pre-qualify SP on the Prime Visa card doesn't work unless the file has been unfrozen for an extended period of time, at least a day or so, otherwise it will just kick back 'can't access' or 'frozen file'  even if the report is actually unfrozen

I wonder if this is the same thing happening with this credit union, is this a big CU or just a local CU where you might be able to ask them to pull TU/EQ?

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It is a good sized cu. Multiple states. This issue has gone on for 4 days now. It's not something I just started working on today. I'm so anxious to apply too. There will be a bandwagon of people wanting to apply. I want in before the fico effect, lol. When I do get this resolved, OH trust me, it will be in the approval thread with all the details. I just have to get past this.

[Jnbmom]

That's frustrating for sure 😡

care to share the CU or is a secret 😂😂

[Traveler101]

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@Jnbmom wrote:

That's frustrating for sure 😡

care to share the CU or is a secret 😂😂

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After I apply. I'm taking one for the team and be the first guinea pig. They seem real nice. They have actually dedicated someone to me to work through this freeze issue. I will talk to them Monday for sure. 

[FicoMike0]

You say you are trying to join a cu. That should be a sp, which should be ok even if report is frozen. Could the freeze be with chex? Opening a deposit account (joining a cu) is often a Chex issue.

[Traveler101]

The cu needs both.  SP for membership. Both chex and EX. I confirmed thru chex website there is no freeze. The cu said the problem was EX. The rep at EX says no lock or freeze active. I attempted again today for a pre-qualified from Chase. Came back with a message bureau locked/frozen. I have all 3 unfroze. 

I will call them tomorrow and seek their guidance. To me, it really makes no sense at all. I have never had this issue.

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@FicoMike0 wrote:

You say you are trying to join a cu. That should be a sp, which should be ok even if report is frozen. Could the freeze be with chex? Opening a deposit account (joining a cu) is often a Chex issue.

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[Jnbmom]

Any news @Traveler101 ?