Valued Contributor
Posts: 1,074
Registered: ‎04-24-2008

CLI for Barclays & Shell (CITI)

FYI....CLI for both are hard not soft. Don't let anyone tell you otherwise.

I have read numerous times stating if you used the website for a CLI, it's a soft.

It asked for Requested Amount, Annual Income, etc...but It's actually a hard.

I got the Alert from EQ.


As for Barclays, the approval was a hard through TU, a CLI requested after was pulled through EQ.

That was a hard pulled also !!

Thought I shared this INFOR for future CLI potentials.





Epic Contributor
Posts: 25,538
Registered: ‎10-23-2007

Re: CLI for Barclays & Shell (CITI)

citi is not always a hard.... it use to be short form (income) for soft and long form (job, bank accounts) hard

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Valued Contributor
Posts: 1,074
Registered: ‎04-24-2008

Re: CLI for Barclays & Shell (CITI)

Creditaddict wrote:

citi is not always a hard.... it use to be short form (income) for soft and long form (job, bank accounts) hard's hard for me. To think if you do this or do that than it's soft....throw that thought out the window.

Each time I ask for a CLI from here on out...I am betting 100% it's going to be a hard.

If it's a soft, great...but more than likely, it's going to be a hard.


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.