Questions about Citi credit cards

[danielodonoll]

Enharu,In illinois they pull Equifax\

Go to Equifax Transunion Experian website and is listed there /Freeze your report and it will guide you step by step.Good luck my man

[enharu]

what happens if they try to pull EX and EX is frozen? will they go to another CRA then?

[navigatethis12]

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@enharu wrote:

what happens if they try to pull EX and EX is frozen? will they go to another CRA then?

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No. They will ask to unfreeze or will not process the application. I think someone said they asked the executive office to pull a different bureau, but regular customer service will not. I applied with a Maryland address and they looked at Equifax, and when I used a Michigan address, they used Experian. I was denied on Equifax because of about 14 or so inquiries but they approved two when they looked at Experian that had a little more inquiries on it.

[SnackTrader]

Citi pulled both EX and TU for my application.

[Open123]

For me in Northern CA, Citi has always pulled Ex.

[mirachi]

Citi pulled Experian for both my Dividend & Forward cards (NY).

[enharu]

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@navigatethis12 wrote:

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@enharu wrote:

what happens if they try to pull EX and EX is frozen? will they go to another CRA then?

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No. They will ask to unfreeze or will not process the application. I think someone said they asked the executive office to pull a different bureau, but regular customer service will not. I applied with a Maryland address and they looked at Equifax, and when I used a Michigan address, they used Experian. I was denied on Equifax because of about 14 or so inquiries but they approved two when they looked at Experian that had a little more inquiries on it.

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ah i see. do you know where can i find the EO office contact info? I the backdoor numbers thread, but didn't see anything there.

so is it worth it to freeze my ex report and see if they're willing to process my app based upon my TU/EQ? I do not plan to unfreeze it no matter what, so worst case scenario I'll deal with a rejection. So it only takes 10-15mins to freeze and unfreeze as well?

Thanks a lot everyone!

[dodgerslv]

EQ and EX here in NV.

[enharu]

thanks a lot for the info!