win333 said:revheck said:Despite getting all the green for a good brainstorm, isn't the correct conclusion to this experiment that freezing Experian doesn't work? Most apps that pull Exp are getting denied. The only card you've managed to get approved, so far, is Advanta, which normally doesn't pull Experian anyway.


How about giving it more than 3 minutes?

Don't understand what you're saying. This thread started more than 2 weeks ago. It's a great idea, and I've seen it referenced in several other threads as a promising technique. But if it doesn't work, which seems to be the case, I suggest adding --NOT! to the title.

revheck said:win333 said:revheck said:Despite getting all the green for a good brainstorm, isn't the correct conclusion to this experiment that freezing Experian doesn't work? Most apps that pull Exp are getting denied. The only card you've managed to get approved, so far, is Advanta, which normally doesn't pull Experian anyway.


How about giving it more than 3 minutes?



Don't understand what you're saying. This thread started more than 2 weeks ago. It's a great idea, and I've seen it referenced in several other threads as a promising technique. But if it doesn't work, which seems to be the case, I suggest adding --NOT! to the title.

WOW! this thread started over 2 weeks ago! We should have the answer already, RIGHT? So don't freeze yours and screw your own report up. But my tactic is working just fine and I will not unfreeze my Experian for atleast another year.

So you think we should just

freeze experian
apply
Then give up if creditor tries to pull experian.

Well with that thinking, I would not have gotten U.S. bank to pull my Equifax on the second application.

Maybe OP could change the name a bit.

freezing ex and eq was the best thing I could do.
I have gotten many cards from just tu pulls.

althes said:freezing ex and eq was the best thing I could do.
I have gotten many cards from just tu pulls.

Ha, thats funny.

I froze EXP and TU and got a crap1 instant approval. It was only for 5,000 but most only get 500, so it was better than getting 3 pulls.

Crap1 just pulls for the hell of it.

Freezing TU is nice, click the button to freeze online and it's frozen instantly. I then applied and unfroze about 1 hour later just as a test. Worked great, I'll have to think about a way around creditors pulling a week later or just keep it frozen.

I'm not real worried about TU pulls, but it was a very interesting experiment.

Hey althes, try to explain that to Losartworks.

So this freezing of one's Experian credit score looks like a safe practice to take on most all new AORs, correct? Has anybody gotten hassled for a frozen experian when applying for new credit other than maybe eventually having to unfreeze it if they don't pull from TU or Equifax instead. I understand it's probably impossible to avoid all new inqs on Experian as some issuers will insist to see Experian, but this method seems like it should become standard practice.
Additionally for those that have disputed Inquiries on your credit report from agencies reporting as slightly different names(say reporting as Barclays when you applied for a Juniper credit card) have you run into any problems, say where the inq is not removed or any complaints from TU,EXP,or Equifax or the credit issuer about these disputes?

If I might add, I have only disputed with EQ. I only have Rumor to go by for TU and EXP, but from what i've heard it doesn't work with those 2.

revheck said:Any more updates on this, theman2?Chase gave me three business credit cards. And Advanta gave me the card that I applied for. All of these came with no questions.
Citibank and Discover want experian unlocked.
I believe Juniper is requesting some sort of information not related to the credit freeze.
There has been no adverse action.

I'm very busy with work now (fun with 60 hour weeks!) so I haven't really made any effort as far as calling issuers up and trying to get them to pull the other CRAs. It is just not worth it from a time/benefit standpoint. For the time being, I'm happy with 4 new business lines with no hits on Exp. I probably will go ahead and try a major personal/business credit card AOR soon and see what happens there.

theman2 said:win333 said:I tried AMEX and discover about 8 hours ago, they both tried to hit experian. I tried calling but so far it's a big fat NO. But CRAP1 worked (no limit yet) and Advanta worked (no limit yet).

Discover won't give much and AMEX sucks with thier A/A, so no big loss any way.Thanks. I just did a mini business AOR by applying for business cards from Chase, AMEX, Citibank, Advanta, Juniper, and Discover. All but one of the creditors that show application status online tried to pull experian! Hopefully some can be coaxed into pulling another CRA...
Anyhow, this is exactly why I did the freeze to begin with. With my luck (and the creditors I usually focus on), almost every inquiry is on EX. At least it won't hurt my credit score because the inqs didn't happen!

If anyone has suggestions of other banks to hit, I'm open to suggestions. Currently, I have B of A is on my list if I can find any decent cards, possibly Providian/WAMU, and CapitalOne. What am I missing?

TheMan, I think I've heard you say many times that everyone wants to hit your EXPERIAN. Have you ever thought of getting a vacation home in another state (wink wink)

Maybe you know someone in another state that you trust (mom, dad, brother, sister). Most pull EQ here and I've seen others who get their TU pulled the most.

Remember RICH people have many addresses and must have a way around this problem. I know if I change my address with (BofA) for example. When that account updates on my credit report, my address will be changed. You could easily change the address back again after the AOR. There might be a few bugs to work out of it, but before EXP started allowing everyone to freeze I was going to change my address just so I could freeze.

The only proof of address I've had to provide is a Utility bill, so the address you choose should have a Utility bill you can get. Remember some people might only have the utilities in 1 persons name (your wife or friend pays utilities) so they're not in your name.

Just a thought, but if I had your problem I'd figure a way around it.

Colby - freezing only prevents new issuers from a hard pull. AFAIK, it does not prevent your current creditors from a soft pull or updating your account status.