Credit Freeze blocking approval
I applied for Apple credit. Not allowed because I have a credit freeze on all credit agencies. Which one(s) must I unfreeze and for how long?
iPhone 13 Pro Max, iOS 26
Question marked as
Historically, Goldman Sachs pulls a FICO 9 from TransUnion. This may be changing as Apple Card transitions to Chase Bank in 2027. No one has indicated a change, but I just wanted to put that out there in case you experience something different.
How long is generally just a few hours if that. The pull would be immediate upon submission of application for credit account. Once approved a creditor can pull a report anytime they want.