I have my credit frozen with all three credit bureaus. In my opinion it is a big pain to have to unfreeze, because I have to remember all the details to go to three web sites and jump through a bunch of hoops to do the unfreeze. I know that if I have an existing relationship with a bank or credit card company, they can bypass these freezes. In fact, I get a monthly report on my FICO credit score with one reporting agency, despite having a freeze in place.
For this reason, I decided to explore a loan offer with the same banking entity that I have both a credit card and a bank account with. However, when it got to the point where it tried to pull my credit report, it says I have to call three phone numbers to unfreeze my credit, and then call them back. Nowhere does it say I can continue to do anything online. This doesn't seem right. Shouldn't they be able to pull my credit report since I have an existing relationship with them?