In the past (though a YMMV sort of thing), I've noticed that Chase (EX froze), Barclays (TU froze), and Bank of America (EX froze) seem willing to pull another CRA without my asking if their first pull fails due to a frozen CRA. Amex and Citi held firm and requested an EX pin or unfreeze...though others have said they've had success with either or both pulling TU or EQ instead. As I said, it's a YMMV sort of thing.