topic Re: Citi and EX Freeze in Credit Cards

Citi and EX Freeze

Anonymous — Tue, 09 Jun 2009 04:35:41 GMT

Went on an app spree and applied for a Citi AMEX. However, I put EX on ice last week and just received an email from Citi asking me to remove the freeze off EX so they can pull my report. Has anyone had luck with having Citi pull TU or EQ when EX was frozen? I don't have baddies on EX, just too many inquiries.

Re: Citi and EX Freeze

Anonymous — Tue, 09 Jun 2009 05:32:31 GMT

Too many inquires, like what kind? how long ago were those inquires?

Re: Citi and EX Freeze

Anonymous — Tue, 09 Jun 2009 05:53:39 GMT

Too embarassed to say but it's a lot. I applied for credit left and right when I until I learned the consequences of applying for too much credit. Half of them are supposed to fall off within the next couple months and the other half are about a year old.

Re: Citi and EX Freeze

Anonymous — Tue, 09 Jun 2009 12:31:39 GMT

No, I have tried multiple times to get Citi to pull a bureau other than EX without success. I have talked to the CSR's and they have told me they have no way of overriding the computer if it wants to pull a certain bureau for my zip. I tried using a different zip on my application, one that I knew resulted in an EQ pull for others and it still didn't work. I think it uses the address on your credit report as the default. Good luck.

Re: Citi and EX Freeze

Creditaddict — Tue, 09 Jun 2009 19:24:05 GMT

when I applied for Myspace citi card my EX was frozen and they automatically pulled EQ

Re: Citi and EX Freeze

Anonymous — Tue, 09 Jun 2009 20:20:36 GMT

@Creditaddict wrote:
when I applied for Myspace citi card my EX was frozen and they automatically pulled EQ

How do you know they pulled EQ in lieu of EX? Could it be that the EQ pull was their first choice?

I have tried many different CITI cards thinking that the product may dictate the bureau pulled rather than my area. I've had no success. Even Amex will pull a bureau other than EX for with some prompting. No such luck with Citi with their personal or biz cards.

Re: Citi and EX Freeze

Creditaddict — Tue, 09 Jun 2009 20:26:47 GMT

well i guess i don't know for sure but thought citi was pretty consistent like amex to pull EX and everyone before me that applied for the card had EX pull

Re: Citi and EX Freeze

Anonymous — Tue, 09 Jun 2009 20:50:27 GMT

@Creditaddict wrote:
well i guess i don't know for sure but thought citi was pretty consistent like amex to pull EX and everyone before me that applied for the card had EX pull

I have a friend who is a Citi CSR and she told me that the bureau pulled hinges on your region/zip code. She is the one that suggested I use a different zip when I submit an app online and see if that would work. I used a zip from a state that Citi primarily pulls EQ in and it didn't work. I think they use the zip on record on the credit bureau report rather than your app. I am just speculating though. I do know that unlike Amex, Citi is not an across-the-board EX puller at this time. It seems most major issuers shuffle up who they pull eventually so I will be patient.

Re: Citi and EX Freeze

Creditaddict — Tue, 09 Jun 2009 20:52:15 GMT

well they wouldn't know the zip code on your credit until they pull your credit

Re: Citi and EX Freeze

Anonymous — Tue, 09 Jun 2009 22:32:18 GMT

@Creditaddict wrote:
well they wouldn't know the zip code on your credit until they pull your credit

good point