Originally Posted by
kapmap
I applied for the Citi AA card for the 75,000 miles. Where I am they pull Equifax. Since I had a credit freeze with all the agencies; I tried to unfreeze it. First time doing that and what an issue -- it would not unfreeze over the phone or internet so I had to write in. They told me 4 days after they had unfrozen it and refroze it that they had unfrozen it. They I wrote in for them to unfreeze it entirely and received the form letter telling me to send them everything I had already sent them. With all the issues I tried unfreezing the other two over the internet with no problems. Asked if Citi would use one of the others and they told me no.
I finally found a phone number and talked with someone who unfroze it and I did get the card -- but it appears they choose which agency to work with and will not change.
Exactly.
Unless one is paranoid about ID theft, freezing the credit report for no particular reason creates far more trouble than its worth.
Banks dont pull a different agency's report when the one they pull is not available due to being frozen. It is a Fool's game to think about freezing an agency's report would "force" the bank to pull a different agency's report... Think about it for a second, it is YOU who ask the bank to extend credit, not the bank to Solicit you for extend credit. Why would the bank do something extra that would be out of their normal operational procedure?