IME all CLI requests through Citi have been SP's if requested online. You could always call and request one and only give authorization for a SP...
You can o that but most CSRs have no idea what your talking about
He means you can freeze your reports. Not worth spending $15-60 bucks just to prevent 1 inquiry though IMO.
I would have to disagree... I like the fact that my reports are frozen.. it keeps me from spontaneously applying for credit and it also protects my identity from would be theives..
After going through the process of correcting identity theft with my DH, The fee for freezing and unfreezing reports is small compared to the value of my time + postage $$ spent on correcting information that was added to DH's report because of ID theft.
Two representatives told me there is no way for them to tell what it will be since the underwriters are the ones making the decisions. I got two increases from one inquiry, though. It may have to do with the amount that you ask for. I asked for 3000 and 5000, so maybe that was too much for them to approve based on a report they have on file. I don't know about the form online because it was messing up and I couldn't use it.