Credit Freeze

[CameraSnaps]

After my app spree, I applied security freezes to my files on all 3 CRAs for the personal reason that I need to stop myself with this crazy app spree lol

 

As a newbie, I just wanted to know if having security freeze on my credit report will affect future auto- CLI from my credit card companies?

[mindcrime]

This may depend on the creditor.

 

Auto CLI's are typically soft pulls I believe, and as an existing creditor, they should (though doesn't always seem to be the case) pull through the freezes.

 

No need to freeze TU

[CameraSnaps]

This may depend on the creditor.

 

Auto CLI's are typically soft pulls I believe, and as an existing creditor, they should (though doesn't always seem to be the case) pull through the freezes.

 

No need to freeze TU

 

Thank you!!

 

TU was the first one I froze! May I know what's the reasoning behind that?

[mindcrime]

 

This may depend on the creditor.

 

Auto CLI's are typically soft pulls I believe, and as an existing creditor, they should (though doesn't always seem to be the case) pull through the freezes.

 

No need to freeze TU

 

Thank you!!

 

TU was the first one I froze! May I know what's the reasoning behind that?

 

You're welcome.

 

Search for B*

[CameraSnaps]

 

 

This may depend on the creditor.

 

Auto CLI's are typically soft pulls I believe, and as an existing creditor, they should (though doesn't always seem to be the case) pull through the freezes.

 

No need to freeze TU

 

Thank you!!

 

TU was the first one I froze! May I know what's the reasoning behind that?

 

You're welcome.

 

Search for B*

 

 

 

Thank you!! Good info!!

[tmkats]

 

 

 

 

This may depend on the creditor.

 

Auto CLI's are typically soft pulls I believe, and as an existing creditor, they should (though doesn't always seem to be the case) pull through the freezes.

 

No need to freeze TU

Thank you!!

 

TU was the first one I froze! May I know what's the reasoning behind that?

You're welcome.

 

Search for B*

Page 517

[PotO]

After my app spree, I applied security freezes to my files on all 3 CRAs for the personal reason that I need to stop myself with this crazy app spree lol

 

As a newbie, I just wanted to know if having security freeze on my credit report will affect future auto- CLI from my credit card companies?

I have all three frozen and have never had issues with auto CLIs. With CLIs you request, most lenders will want your report(s) unfrozen.

 

Still, it's a good way to put a damper on impulse applications.