Hello everyone!!
I was wondering if you guys could help me out or give me an insight. We are in the middle of the verification stage of LendingClub and I was told that If I do a security freeze that I won't get a hard inquiry at the time of when they deposit into my bank account.
This seems like it would be great because I really don't want to have any hard inquiries on my account. They can check me multiple times as a soft pull to make sure I am eligible but I would like to keep my inquiries to a minimum.
I heard about the cost 5-10 dollars per exp/trans/equi account and then the same amount to take the freeze off at a later date (I don't plan to get any more credit for another year)
What do you guys think? Should I do a freeze and see if I don't get a hard pull? The security freeze online seems like a fast and easy process and I think it is worth it but was wondering if it would actually work and can they bypass the freeze to put a pull just because they deposited the money.
