06-09-2013 04:37 AM
06-09-2013 04:45 AM
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...
06-09-2013 04:48 AM - edited 06-09-2013 04:49 AM
when you hit the online luv button and enter the requested info, it will approve, deny, or state that further review i.e. credit pull may be needed-so can back out at that point to avoid an HP. GL.
06-09-2013 04:49 AM - edited 06-09-2013 04:50 AM
06-09-2013 04:53 AM - edited 06-09-2013 04:54 AM
Not IME, of course no guarantees, may want to have reports on ice if it is a concern.
06-09-2013 04:56 AM
06-09-2013 05:08 AM
06-09-2013 05:48 AM
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.
06-09-2013 05:59 AM
06-09-2013 06:18 AM - edited 06-09-2013 06:39 AM
If one is freezing his reports for fraud related purposes, I can totally understand.
Freezing reports just to prevent HP however isnt really a feasible idea. It might make the app process a little more expensive and 3mins longer, but if there's a will there's going to be a way. Best way is to practice self discipline and control.
Score building is recommending OP freeze reports just to avoid 1 HP from citi. Paying to freeze isnt going to guarantre OP will get any cli through SP either, and he has to unfreeze it again later on. IMO I very much rather take the risk that citi might pull an inquiry than to pony up the money. That's just me of course.
I agree with what you said as well, especially if fraud is a big concern.
OP seemed to be concerned about an HP for CLI so he *may* want to consider freezing *if* he is a candidate based on the overall benefits of doing so; not merely in connection with a single CLI request.