CITI Thank You credit card app - which report pulled?

[robbulous]

Hello all!

I'm thinking about app'ing for the CITI Thank You card, and am wondering what credit report they will typically pull?

I have way more INQ's on my Experian report, but it's my understanding that they pull EQ a lot too?

I live in Texas and any advice would be helpful!

Thanks!

[RnJ]

I believe they predominantly pull Experian, but may also pull Equifax, or both - they pulled Experian for me.

[hacsx2]

They pulled EQ for me.  I live in CA.

[TravellingNomad]

+1 on may pull both EX and EQ.

last month i applied for TYP and Diamond within minutes of each other. i got a pull on both EX and EQ. not sure which card pulled which cr though.

[robbulous]

That sounds consistant with what I'm seeing. The Best Buy Citi card seems to pull EQ, other Citi cards pull EX or EQ.

Not sure if I want to risk them pulling EX (and probably denying me due to 10 INQ's on there.)

[rockinn8]

I live in AZ, they pulled TU for me

[Plasticard]

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@robbulous wrote:

That sounds consistant with what I'm seeing. The Best Buy Citi card seems to pull EQ, other Citi cards pull EX or EQ.

Not sure if I want to risk them pulling EX (and probably denying me due to 10 INQ's on there.)

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Well I guess depending on how old your other cards are, with your score and INQ's, approval shouldn't be too big of a problem. I apped for their TYP in December, with 9 Inqs(though only 3 were under a year old) and got an instant approval. They pulled Ex for me as well.

[thom02099]

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@robbulous wrote:

Hello all!

I'm thinking about app'ing for the CITI Thank You card, and am wondering what credit report they will typically pull?

I have way more INQ's on my Experian report, but it's my understanding that they pull EQ a lot too?

I live in Texas and any advice would be helpful!

Thanks!

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According to the credit pulls database from the site of which we may not speak, it would appear that inquiries were about evenly split between EQ and EX.  As a sidebar to that, the Thank You Preferred card seemed to pull more EX, while the standard Thank You appeared to pull more EQ. 

[amakol]

I live in CT. EQ and EX. Wish it was just EQ as no one pulls that for me

[robbulous]

Quick update:

I app'd for the Preferred Thank You card and was denied. I called to recon and they examined my report and said I couldn't be approved due to INQ. I have about 10 on Experian, and that's who they pulled unfortunately. I asked if they could recon using EQ and she said they could only use what the system automatically pulls.

Guess it's to the garden for me for 6mo-1yr!

Thanks for the info guys.