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Established Contributor
CreditUnionFan
Posts: 643
Registered: ‎10-07-2013
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Re: Citi Soft Pull CLI's

A little known secret is that many lenders are SP'ing you. If you're "turned down for credit" or "not given the best terms", usually you're entitled to a copy of the report that was used for that decision.

 

I don't believe the credit bureau(s) really distinguish between a SP and a HP for determining if you qualify for the free credit report for the reasons above.  ;-) 

I was going to garden... Honest!

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