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Citi double pull

Regular Contributor

Citi double pull

Just noticed that Citi double pulled me back in January when I apped for the TY Premier - EQ and EX. Is this something that they are doing now? I searched topics in this forum and only found 1 thread about it from Nov 2012. I don't think I was borderline because the approval was instant and my EQ score was in the 760s at the time. What gives? 


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
Message 1 of 7
6 REPLIES
New Contributor

Re: Citi double pull

Yea some time when a underwriter not very experienced put the app through.

 

I wouldnt worry about it since the lender can pull all 3 if they wish so there is nothing you could do about that with regret  to say.

Ps Capitalone pulls all 3 some time

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Message 2 of 7
Senior Contributor

Re: Citi double pull

Citi is a bunch of b a stards!
I wound up with 3 pulls on eq alone, as well as a pull on Exp.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 7
Regular Contributor

Re: Citi double pull

I apped for the Forward in April 2012 and they pulled EQ only, so this threw me for a loop. I'm not too worried since I have 6 INQs on EX and a handful of those are set to fall off this year plus I'm in the garden until next year. But this is slightly annoying. 


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
Message 4 of 7
New Contributor

Re: Citi double pull

+1 they reckless when it comes to the inquires

I have 12 inq on equifax and 7 are from citi in 3 months of applying for cli or the new account

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Message 5 of 7
Established Contributor

Re: Citi double pull

After reading this post, I went and looked at my cr's and saw that they double pulled me yesterday when I was approved for a card with them. (EQ,EX)  It also looks like they sp'd me as well yesterday because a CBNA showed up on my sp's. I assume that is citi

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 6 of 7
Highlighted
Valued Contributor

Re: Citi double pull

It's gotten faily common for Citi to pull two lately.

Message 7 of 7