Valued Contributor
youngandcreditwrthy
Posts: 3,775
Registered: ‎08-16-2012
What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 08:58 AM

This is the absolute last card I desire for my collection, except maybe the HHonors Amex; it will replace my Paypal Extras Plat MC. I hesitate to apply right now because I have on avg about 3 inqs on each report in the past six months, and closer to nine in a two year period on avg. on each report.  I assume I'd be approved with prob a $3-4k limit.  I want to apply prob in January... maybe March or April.....two or three more inqs should fall off by then. I have like 6-7 from Jan - Aug of 2011 (idk why I applied so much!! ugh)

util: 11% (will drop to like 8% in a few weeks)

aaoa:2.5 yrs

student loans: $36k

 

For those of you that have the Citi Diamond Preferred card though,

 

what report did Citi pull??? My scores are all like within 10 or so points of eachother believe it or not.... from like 688 to 709, I believe. 

I reallllllllyyyy want this card, and I don't want a crappy limit either. I'll prob use it for a BT for maybe $5k? Idk lol. I'm really into saving my cash and floating a balance. :-) 

Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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Contributor
rudy0720
Posts: 120
Registered: ‎08-10-2012
Re: What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 09:02 AM

I have 5 Citi cards including Diamond and they pulled Equifax on all 5. I am in Louisville, KY. Check whogavemecredit.com for your state

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Chase Southwest Visa Signature-6K, Discover IT-$ 7K, Capital One-$5K, Capital One-$4K, Lowes-$10K

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tinuviel
Posts: 3,897
Registered: ‎11-02-2010
Re: What report gets pulled for Citi Diamond Preferred?
[ Edited ]

‎11-15-2012 09:03 AM - edited ‎11-15-2012 09:03 AM

I got a Citi Diamond Preferred this past August and they pulled EQ for me.

 

(ETA) I'm in Florida.



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
(715 Views)
 
Valued Contributor
youngandcreditwrthy
Posts: 3,775
Registered: ‎08-16-2012
Re: What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 09:05 AM

whogavemecredit.com doesn't have too many recent approvals on there.

Interesting.... hmmmm.... I'll have to check my previous reports to see who they pulled before when I got denied with a lower score. I think it was EQ. EQ is my lowest :-/. 

 

what were you guys stats if you dont mind sharing?

like util, aaoa, other debt, scores.. that stuff? oh, and the CLs you were approved for.

Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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tinuviel
Posts: 3,897
Registered: ‎11-02-2010
Re: What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 09:09 AM

youngandcreditwrthy wrote:

whogavemecredit.com doesn't have too many recent approvals on there.

Interesting.... hmmmm.... I'll have to check my previous reports to see who they pulled before when I got denied with a lower score. I think it was EQ. EQ is my lowest :-/. 

 

what were you guys stats if you dont mind sharing?

like util, aaoa, other debt, scores.. that stuff? oh, and the CLs you were approved for.

Util was1%, AAoA was 8 yrs, oldest account 25 yrs 3 months, no other debt, FICO was 723. I was approved for $6800.

 



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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Valued Contributor
youngandcreditwrthy
Posts: 3,775
Registered: ‎08-16-2012
Re: What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 09:17 AM

Oh! I remember yours Tinuviel! That's a good limit :-)

Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
(688 Views)
 
New Contributor
teddybearkelli1
Posts: 79
Registered: ‎11-06-2012
Re: What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 09:17 AM

I am in WA, they pulled EQ.

FICO scores: 736 (EQ) 733 (EX) 737 (TU) | Goal scores: 800
My Wallet: AMEX Delta Gold 20k | NFCU CashRewards 14k | BECU Visa 10k | Wells Fargo Rewards Visa 10k | USAA World MC 9k | Sams Credit 8.5k | Military Star 8.2k | Walmart Discover 7.5k | Lowes 7.3k | Chase Military Star Mastercard 6k | Sams Discover 5k | JCPenneys 5k | BofA Phi Theta Kappa MC 5k | Chase Amazon Visa 3k | Paypal Extras MC 3k | Home Depot 3k | Discover More 3k | Citibank Simplicity 3k | Amazon Store 2.5k | Fred Meyers Visa 2.5k | Target 2k | Barclays ITunes Visa 1.7k | Barclays Visa 1.7k | Vystar CU Visa 1.5k | Capital One 1.5k | NFCU NRewards MC 1k | Toys R' US Card 1k | Macys 900 | TJMaxx 600 | Kohls 500

(684 Views)
 
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Moderator
tinuviel
Posts: 3,897
Registered: ‎11-02-2010
Re: What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 09:20 AM

youngandcreditwrthy wrote:

Oh! I remember yours Tinuviel! That's a good limit :-)

Yes, thanks... I was shocked!

 



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
(677 Views)
 
Valued Contributor
youngandcreditwrthy
Posts: 3,775
Registered: ‎08-16-2012
Re: What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 09:58 AM

So the consesus is that they pull EQ....

 

 

I just feel like if I apped now... Amex would deny my 3xcli, AND I would get a crappy limit lol. like $1k or $2k. Who knows though! My eq is only 688 :-/

Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
(648 Views)
 
Regular Contributor
bluesnowman
Posts: 239
Registered: ‎10-29-2012
Re: What report gets pulled for Citi Diamond Preferred?

‎11-15-2012 10:26 AM

I know it is a different card, but I applied for the Citi Forward, and I'm in California. They pulled Experian here. 

Bank of America: Cash Rewards.-700$. 4/25/12, Citi: Forward- 1.5k. 10/27/12. Discover: More- 1.5k. 10/27/12. Amex: PRG- NPSL. 11/24/12. Chase: Freedom.- 2.4k. 5/1/13. Last App: 5/10/13.
(625 Views)