You people are missing the point. Yes, I did mention getting denied for too many inquiries in the last 12 months. But that really isnt the point. I choose to focus on the fact that the op specifically stated to the EO, if a SECOND HP will be taken in order to review the CLI denial dont proceed. I cant state it any clearer. The EO chose to overlook this part of the OP's request. What the EO should have done is respond to the OP by explaining they cant proceed with requested CLI denial review without a SECOND HP and end the request. But they did not. Anyway, moving on.
Multi posts have been removed from this thread for violating our rules, the offenders will be contacted via PM. I want to remind everyone that all disagreeing comments must be made in an FSR manner there isnt any other way that is going to be allowed. If you want to start trouble go do it somewhere else myFico isnt going to be allowed to turn into a shooting gallery. To those of you who are respectful of each other we thank you.
http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/td-p/2905196
@Andy77 wrote:
Sent an email to EO about a reconsideration to my CLI that was declined
Specifically put in the email I don't give you permission to do another hard pull
So after I sent email I started working with Patricia an Exec in the Pres Office and she gave me her direct number etc.
She took all my info and I asked if a hard pill would be done and she said no
So fast forward three days later and declined for the CLI and another hard pull was done. She even confirmed while I was on the phone that another hard pull was not done
So I sent in a dispute with experian and documented everything ... Dates who I talked to and what was said and included the first email I sent in that said I didn't give them permission for another pull
Do you think my inquiry will be removed ?
OP, sorry to hear about the CLI decline, but it's not unusual. It's most likely that your file is not considered ready for a CLI by Citi. If you check the On Line SP CLI Terms, if Citi offers you a SP CLI, and it is either declined or you don't like the amount they give you, they clearly state the next step, part of the reconsideration, is they will pull your credit. I don't find it unusual that on a second Recon request that they would pull your credit a second time for that request. It is likely standard operating procedure at Citi, to use the HP to update the file, and ignores what the cardholder says in a letter.
With time and usage, the SP CLI will become available on line with the Citi card. Patience and continued use and pay on time behavior will get you there.
