topic Re: Citi CLI scoring system in Credit Cards

Citi CLI scoring system

cr101 — Sat, 11 Jul 2020 11:22:25 GMT

In the past, I've been declined for Citi CLIs bc of data furnished by EQ. I applied for a CLI recently and was declined bc of TU data. They have a scoring system that goes up to 2500. What exactly is this? What scoring system?

The req was in July, but they used a score that TU provided in May. What I found odd is that the first decline reason was "There are too many recent increases in balance on revolving accounts," but I actually paid down a lot of accounts around that time. They could have only been referring to a card that went from $0 bal to over 70% in January. That was paid down to around 40% by the time they obtained this report, though.

Re: Citi CLI scoring system

AverageJoesCredit — Sat, 11 Jul 2020 12:54:53 GMT

I dont get rejected for Citi scoring system, i get rejected for max exposure/income/ credit profile.

Re: Citi CLI scoring system

Wavester64 — Sat, 11 Jul 2020 13:21:46 GMT

@AverageJoesCredit wrote:
I dont get rejected for Citi scoring system, i get rejected for max exposure/income/ credit profile.

Funny I get rejected by Citi for phantom BKs that are not on my credit report

Re: Citi CLI scoring system

M_Smart007 — Sat, 11 Jul 2020 15:37:33 GMT

@Wavester64 wrote:
@AverageJoesCredit wrote:
I dont get rejected for Citi scoring system, i get rejected for max exposure/income/ credit profile.
Funny I get rejected by Citi for phantom BKs that are not on my credit report

@Wavester64, Have you ever had a BK previously? .. (valid reason why I ask)

Re: Citi CLI scoring system

Wavester64 — Sat, 11 Jul 2020 16:06:53 GMT

@M_Smart007 wrote:
@Wavester64 wrote:
@AverageJoesCredit wrote:
I dont get rejected for Citi scoring system, i get rejected for max exposure/income/ credit profile.
Funny I get rejected by Citi for phantom BKs that are not on my credit report
@Wavester64, Have you ever had a BK previously? .. (valid reason why I ask)

Yup, EE a few months ago. Doesn't show up on Citi's report or EQs report when I try for a CLI.

TBH, they have just *recently* changed their tune for the CLI request denials from BK to "credit report shows too many recently opened accounts" which isn't far from the truth I am just guessing they are writing anything due to the current pandemic not to increase the CL which I am OK with since my limit is fine

Re: Citi CLI scoring system

K-in-Boston — Sat, 11 Jul 2020 22:49:50 GMT

It's an internal score.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Citi-s-internal-scoring-system-1-to-2500/td-p/6044083

https://ficoforums.myfico.com/t5/Credit-Cards/Citi-Slashed-Credit-Line-What-is-this-score/m-p/6037784#M1724855

Re: Citi CLI scoring system

M_Smart007 — Sun, 12 Jul 2020 18:41:16 GMT

@Wavester64 wrote:
@M_Smart007 wrote:
@Wavester64 wrote:
@AverageJoesCredit wrote:
I dont get rejected for Citi scoring system, i get rejected for max exposure/income/ credit profile.
Funny I get rejected by Citi for phantom BKs that are not on my credit report
@Wavester64, Have you ever had a BK previously? .. (valid reason why I ask)
Yup, EE a few months ago. Doesn't show up on Citi's report or EQs report when I try for a CLI.

TBH, they have just *recently* changed their tune for the CLI request denials from BK to "credit report shows too many recently opened accounts" which isn't far from the truth I am just guessing they are writing anything due to the current pandemic not to increase the CL which I am OK with since my limit is fine

@Wavester64, Good going on the early EE

Re: Citi CLI scoring system

Anonymous — Mon, 27 Jul 2020 09:21:39 GMT

I have a citi dividends card for 10+ years. Use it sparingly for purchases and mostly 0% BT. Dont think I've ever got a CLI reject, but only request every 18 -24 months.

$46,500 card limit, with a $4k CLI approval earlier this year.