Citi Card Denial

[BlueRaider]

Received a denial because of the following reason:

o   A collection inquiry was recorded on your credit bureau
 report.

I've received a copy of my Experian report and there is no collection inquiry. I did recently refinance my mortgage but both inquiries for that are listed as Mortgage reporting. I sent Citi a copy of my experian report and they basically reiterated the denial for the same reason. However, Experian said they don't see a collection report either. What are my options?

[JM-AM]

Maybe they pulled a different report?

[Anonymous]

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@JM-AM wrote:

Maybe they pulled a different report?

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+1

And, it may not have been hard pull. They may have softed your other reports.

[clocktick]

+2

That's what I was thinking.  Maybe you want to pull one or both of your other reports especially if you're not aware of who's reporting what.

[Anonymous]

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@Anonymous wrote:

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@JM-AM wrote:

Maybe they pulled a different report?

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+1

And, it may not have been hard pull. They may have softed your other reports.

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+1

[RammaCredit]

Citi pulls EQ. check that report. they pulled it for me and it is my worst one. They dont budge on the recons either.

[BlueRaider]

Thanks for the replies. I checked my TU yesterday and am viewing EQ right now. EQ has fewer inquiries than the others, and all show no collection inquiry. The only thing I can think of is CBC INNOVIS pulled my credit due to my mortgage refinance, but they also do collections from my understanding.  However, the pull is listed as mortgage inquiry.. I am stumped.

[trumpet-205]

Call citi again and demand an explanation. Demand them to tell you what this collection is.