topic Re: What bureau does Citi use for HP CLIs? in Credit Card Applications

What bureau does Citi use for HP CLIs?

Anonymous — Wed, 23 Aug 2017 01:05:40 GMT

Is there any consistency here, or is it sort of like applications where it can be any bureau? If you go for a Citi HP CLI at the 6 month mark on your account, would they pull a different bureau for the CLI than they did at the time of the app, or could it be the same one?

When I was approved for my DC card Citi double pulled me on EX and EQ. I'm wondering if for a HP CLI at the 6 month mark if they'd use one of the same bureaus or if they will go for TU since that's the one they haven't pulled yet. Not sure if there's some standard protocol here like Citi always uses X bureau for HP CLIs or if it varies. Any feedback from those that have gone through this would be great. Thank you!

Re: What bureau does Citi use for HP CLIs?

Curious0ne — Wed, 23 Aug 2017 01:12:56 GMT

For me they pulled Equifax for CLI.

Re: What bureau does Citi use for HP CLIs?

Gmood1 — Wed, 23 Aug 2017 01:22:32 GMT

Yup.. they'll pull EQ.

Re: What bureau does Citi use for HP CLIs?

Anonymous — Wed, 23 Aug 2017 01:43:21 GMT

And was EQ pulled for either of you at the time of your application? How old was your account when you requested the HP CLI?

Re: What bureau does Citi use for HP CLIs?

Gmood1 — Wed, 23 Aug 2017 01:45:35 GMT

@Anonymous wrote:
And was EQ pulled for either of you at the time of your application? How old was your account when you requested the HP CLI?

Yes EQ and EX pulled on first app. Mine was a year only because that's when I received my first SP increase. My advice is to get your SP CLI and then submit your HP request for $20,000.

Re: What bureau does Citi use for HP CLIs?

AverageJoesCredit — Wed, 23 Aug 2017 02:06:46 GMT

For the life of me EQ for everything ...booooo

Re: What bureau does Citi use for HP CLIs?

Anonymous — Wed, 23 Aug 2017 03:29:51 GMT

@Gmood1 wrote:
Yes EQ and EX pulled on first app. Mine was a year only because that's when I received my first SP increase. My advice is to get your SP CLI and then submit your HP request for $20,000.

Thanks for the info. That was more or less my plan, take whatever I can get from a SP CLI when I hit the 6 month mark then a few days later call and submit to the HP CLI for $20k or so. EQ is my highest score, so I'm perfectly content with them using that for the HP CLI. Is Citi known to not use TU? That's also fine by me, as TU is the only bureau I'm dirty on.

As an aside, I'm nearing my 4th month with Citi and have yet to receive a FICO score from them on my account, and my Citi account still has not shown up on my TU report, just EX and EQ.

Re: What bureau does Citi use for HP CLIs?

Gmood1 — Wed, 23 Aug 2017 03:47:43 GMT

@Anonymous wrote:
@Gmood1 wrote:
Yes EQ and EX pulled on first app. Mine was a year only because that's when I received my first SP increase. My advice is to get your SP CLI and then submit your HP request for $20,000.
Thanks for the info. That was more or less my plan, take whatever I can get from a SP CLI when I hit the 6 month mark then a few days later call and submit to the HP CLI for $20k or so. EQ is my highest score, so I'm perfectly content with them using that for the HP CLI. Is Citi known to not use TU? That's also fine by me, as TU is the only bureau I'm dirty on.

As an aside, I'm nearing my 4th month with Citi and have yet to receive a FICO score from them on my account, and my Citi account still has not shown up on my TU report, just EX and EQ.

I've never seen anyone mention TU used by Citi.

Do not wait several days before submitting HP CLI.

As soon as the SP goes through. You'll be asked if you would like to request more. That's when you make your request. If you wait, you will be locked out of another increase for 180 days. Make the request immediately after receiving the SP. There's no reason to call. Unless you just enjoy talking to people. Lol

Re: What bureau does Citi use for HP CLIs?

DeeBee78 — Wed, 23 Aug 2017 04:33:55 GMT

@AverageJoesCredit wrote:
For the life of me EQ for everything ...booooo

Try living on the west coast! You get to pull Experian, you get to pull Experian, and even you too!

Re: What bureau does Citi use for HP CLIs?

Anonymous — Wed, 23 Aug 2017 15:01:11 GMT

@Gmood1 wrote:
I've never seen anyone mention TU used by Citi.
Do not wait several days before submitting HP CLI.
As soon as the SP goes through. You'll be asked if you would like to request more. That's when you make your request. If you wait, you will be locked out of another increase for 180 days. Make the request immediately after receiving the SP. There's no reason to call. Unless you just enjoy talking to people. Lol

Looking at the credit pulls database, it looks like Citi does use TU on occasion, but I'd say it's maybe 10% of the time compared to EX and EQ which makes up the other 90%. Of course that's just for approvals, as the CPDB doesn't give us any data on HP CLI pulls.

Great info on doing the HP CLI request right after the SP one. I would have not thought to do this immediately, so I appreciate the heads up on that! Also good to know that it can be done online, as I do not particularly like talking to people.

You said you'll be asked if you want to request more. At that point, does it prompt you to enter in how much more you'd like, or what you want your total limit to be? Once submitting it, do you get an immediate answer? If you shoot too high, do you get an immediate counter? Does the amount you are approved for automatically take, or do you have to accept/deny it? I know with some creditors like Synchrony the rule of thumb is to shoot for the stars and you'll get countered with the best that your profile allows, but I'm not sure how Citi views/handles this subject.

Re: What bureau does Citi use for HP CLIs?

Gmood1 — Wed, 23 Aug 2017 15:19:18 GMT

It will prompt you to enter the limit you want. It will not be an instant approval. The app will go into review. They didn't counter offer me. I got exactly what I asked for. That's why you shoot high. They'll counter offer if they feel it's too much. However, I have a feeling you'll get what you ask for.

Yeah I found out the hard way about waiting too long. Wasted a HP for nothing. Lol

The window to get that second increase on top of the SP increase is small. Even on a HP the system will deny you if you pussyfoot around. The reason given will be you've recently had an increase in the last 180 days.

Re: What bureau does Citi use for HP CLIs?

Anonymous — Wed, 23 Aug 2017 21:14:16 GMT

Gotcha, thanks again. I'll make sure I do the HP request right after the SP request.

Come to think of it, is the SP request before the HP even necessary? I'm not sure what the benefit or drawback would be to it. Benefit to it I suppose would be it gives you a slightly higher limit, thus making your HP limit request less of a percentage/dollar gain than would otherwise be the case? Drawback I guess would be the potential of getting the error message / decline reason you referenced earlier, that you received another increase too recently.

Re: What bureau does Citi use for HP CLIs?

Gmood1 — Wed, 23 Aug 2017 21:34:05 GMT

Exactly! Plus if you are given a SP CLI. Now you know you are within their good graces. No guarantee..but the chances of a successful HP increase IME.

Re: What bureau does Citi use for HP CLIs?

Anonymous — Thu, 24 Aug 2017 01:59:59 GMT

Makes sense... good point!