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Valued Contributor
Posts: 1,588
Registered: ‎04-24-2008
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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: 29,435
Registered: ‎10-23-2007
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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

Valued Contributor
Posts: 1,588
Registered: ‎04-24-2008
0 Kudos

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.


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