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In a number of states nearly all major credit card issuers pull Experian credit reports. This becomes problematic as credit inquiries stack up on Experian, lowering the score and, of course, showing too many inquiries. One method to balance inquiries among the 3 credit bureaus has been to freeze the Experian report.
A card issuer pulling the frozen report returns an application pending message. A call to Chase or Bank of America and they would agree to pull another report. To my knowledge, American Express and Citi always insist on pulling the original report that they attempted to pull. My routine in a single day is to apply, with Experian frozen, for Barlcaycard and US Bank (due to difficulty of approvals and not using Experian in my state), then Bank of America (sometimes Experian for me), then Chase (always Experian), then temporarily lift my freeze to apply for American Express and Citi.
My recent applications included 3 from Chase: Freedom, Sapphire Preferred and United MileagePlus Explorer Business. Yes, I have never had any of those. I made several calls to Chase both on the business and personal side, and each time the agents were insistent on pulling the original report, Experian. This had not happened to me before. Eventually I relented, giving a single-use pin for the first, and then unfreezing Experian entirely because Experian rejected multiple successive requests for a pin and I was going to unfreeze for Amex and Citi anyway.
Readers, is the Chase Experian freeze dead or on life support?