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  1. Experian does not listen, we asked for a security freeze for my DW and they added a fraud alert in November. Then after 90 days and the the other bureaus removing the alert, it was still there, we asked them to remove it and they removed the security freeze, wrote again, and the reinstated both the security freeze and the fraud alert for another 90 days. We wanted to apply for the JCB discover 3% card, but after speaking to them by phone they made it sound like that would be a denial and a wasted Experian inquiry. Now I'm wondering if we can request CLI increase with NFCU on a CC with the fraud alert showing and not have the fraud alert be an issue. Also, wondering about doing a Capital One Executive Office CLI request since it has been six months since the last increase. Should we wait for the next 90 days (which does not seem to be sufficient time for Experian to remove anyway) or go ahead and apply for CLIs?

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