topic Re: Citi pulls equifax when responding to mail offer. in Credit Cards

Citi pulls equifax when responding to mail offer.

Anonymous — Wed, 19 Feb 2020 18:04:30 GMT

Hello everyone.

I just wanted to share my experience with Citi and their mailer promotions. In June 2019 I applied for the Citi DC with the reference code in the mailer I received. Citi pulled an Equifax score that was 3 months old and I was denied.

Fast forward to early February 2020, I received another mailer for the Citi Rewards+, used the reference number, and was approved for $1800 SL, while having opened 5 other cards in 2019.

So I just wanted people to know that Citi pulls Equifax when responding to mail offers, and the dates of the reports may vary.

Hope this helps.

Re: Citi pulls equifax when responding to mail offer.

Ficoproblems247 — Wed, 19 Feb 2020 19:58:23 GMT

I'm fairly certain this varies by geolocation and other factors. When responding to a mailer from them in October, they double pulled my EX, and EQ. Current reports-no dated data.

Re: Citi pulls equifax when responding to mail offer.

FinStar — Wed, 19 Feb 2020 19:59:18 GMT

Actually, I'd say that's more profile-dependent and based on geographical location as well.

Mine were EX pulls on a couple mailers, definitely not EQ.

Re: Citi pulls equifax when responding to mail offer.

Anonymous — Wed, 19 Feb 2020 20:59:25 GMT

I think it's just more geo specific too. With a bit of randomness thrown in..

Re: Citi pulls equifax when responding to mail offer.

CreditCuriosity — Wed, 19 Feb 2020 22:25:18 GMT

Hit everytime with EQ and citi and possibly mix in an Exp HP as well.. Very geo with citi as others echoed

Re: Citi pulls equifax when responding to mail offer.

Meanmchine — Wed, 19 Feb 2020 22:27:25 GMT

Thanks for your input !

Re: Citi pulls equifax when responding to mail offer.

FICOnoob2020 — Wed, 19 Feb 2020 23:19:20 GMT

My Citi DC app last fall, in response to a mailer, was also a double (EQ/EX) pull.

Re: Citi pulls equifax when responding to mail offer.

mikesonthemend — Thu, 20 Feb 2020 01:31:34 GMT

DW's Citi DC mailer was a double pull, eq originally and ex on call in verification. #Georgia

Re: Citi pulls equifax when responding to mail offer.

donkort — Thu, 20 Feb 2020 01:51:35 GMT

I live in New York City. When my credit is pulled fpr any reason, it was mostly TransUnion, with some Experian. Very little Equifax.

Re: Citi pulls equifax when responding to mail offer.

FidensPR — Thu, 20 Feb 2020 01:57:14 GMT

Applied for the Citi DC and was double pulled EX/EQ. After 9 days I applied for the Citi Costco Visa and only EQ was pulled.

Re: Citi pulls equifax when responding to mail offer.

Anonymous — Fri, 21 Feb 2020 23:49:13 GMT

Thanks for the replies everyone. I'm just trying to get more data points out there for people trying to get their foot in the door with Citi (if that's even a thing). I didn't think about the geolocation, mine being California for those who care.