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Valued Contributor
lg8302ch
Posts: 2,976
Registered: ‎11-13-2012
0

Citi AR twice in two weeks....??

 

Is this normal? Or the result of my new Barclays Arrival appearing on 05/27?  Citi worried ?

 

Citi_AR.jpg

 

What do you think?

FICO® EQ 800 (as of today) - TU 778 (10/28) * Fako EX 803 (11/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *

Valued Contributor
dodgerslv
Posts: 1,834
Registered: ‎06-16-2012
0

Re: Citi AR twice in two weeks....??


lg8302ch wrote:

 

Is this normal? Or the result of my new Barclays Arrival appearing on 05/27?  Citi worried ?

 

Citi_AR.jpg

 

What do you think?


Citi is like AMEX, they keep an eye on you everytime you apply for credit, get a new account or pretty much anytime there is a major change in your credit report. I recently applied for 2 Chase, 1 US bank and AMEX in the last 2 months and everytime i had an AR from Citi and AMEX the next day following the INQs. Especially if your account is new with them.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 9.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
lg8302ch
Posts: 2,976
Registered: ‎11-13-2012
0

Re: Citi AR twice in two weeks....??


dodgerslv wrote:

 

Citi is like AMEX, they keep an eye on you everytime you apply for credit, get a new account or pretty much anytime there is a major change in your credit report. I recently applied for 2 Chase, 1 US bank and AMEX in the last 2 months and everytime i had an AR from Citi and AMEX the next day following the INQs. Especially if your account is new with them.


Oh..thanks for this explanation. The first AR was due to the new Barclays Arrival then which appeared on 05/27 on my reports as new account and on 06/13 Chase did two  unauthorized pulls and this would explain the second AR on 06/14. Just keep my fingers crossed that no AA for the unauthorized Chase pulls that will get taken off my reports in the next 30-60 days. Was not aware that it could alert other lenders intantly - Good explanation 

FICO® EQ 800 (as of today) - TU 778 (10/28) * Fako EX 803 (11/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *

Senior Contributor
Open123
Posts: 4,194
Registered: ‎02-23-2011
0

Re: Citi AR twice in two weeks....??

All pretty standard practice after a new account or inquiry.  It's an automatic alert service they subscribe to.

Valued Contributor
lg8302ch
Posts: 2,976
Registered: ‎11-13-2012
0

Re: Citi AR twice in two weeks....??


Open123 wrote:

All pretty standard practice after a new account or inquiry.  It's an automatic alert service they subscribe to.


Thanks. Is there a monitoring service that will display the SP of all the CRA's?  And that does not cost a fortune. Monthly pulls would be perfect. Any idea? I find it quite interesting to access this info too.

FICO® EQ 800 (as of today) - TU 778 (10/28) * Fako EX 803 (11/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *

Senior Contributor
Open123
Posts: 4,194
Registered: ‎02-23-2011
0

Re: Citi AR twice in two weeks....??

[ Edited ]

lg8302ch wrote:

Open123 wrote:

All pretty standard practice after a new account or inquiry.  It's an automatic alert service they subscribe to.


Thanks. Is there a monitoring service that will display the SP of all the CRA's?  And that does not cost a fortune. Monthly pulls would be perfect. Any idea? I find it quite interesting to access this info too.


Edited to remove content that violates TOS.

 

Shogun, myFICO moderator

Valued Contributor
lg8302ch
Posts: 2,976
Registered: ‎11-13-2012
0

Re: Citi AR twice in two weeks....??

@ open123

Tried the denial of credit with Experian after the unauthorized pull from Chase but was given the answer as "invalid..." do not recall the full phrasing and assumed if you have a relationship with a lender this will not work. Might try the dispute option but hope you can view the report before acutally disputing. Since Chase promised to remove the pull I do not want to dispute it.  But of course would love to check if the HP will ever get removed and if possible without paying for this. My free reports from annualcreditreport.com I have used for this year already :smileywink:

FICO® EQ 800 (as of today) - TU 778 (10/28) * Fako EX 803 (11/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *


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