@physignathus wrote:
I asked for credit limit increased in 2 days ago. They declined my request because of not enough 6 months period since the last increase. Just found out they hard pull my experian. Wow I lost some point already, thought Citi would not pull credit report. I feel so regret by now. This move just knocks me put of garden for 9months. So anyone know if I can talk to the credit analyst about my case or not? Any comment is welcome.
I think it happened to some people on this forums as well. Longtimelurker is one of them, if I remember correctly.
Citi is one of the lenders that will pull HPs even when it's a pre-determined denial, such as due to blacklist. You can try calling customer service, then ask to be transfered to a credit analyst, and plead your case with them to remove the inquiry. If you are lucky, they may be willing to work with you. As a last recourse, try calling the executive office as well.
Other than that, you will have to stick with the hard inquiry, since it's legitimate.
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