topic Re: CITI Pull in Credit Cards

CITI Pull

CS800 — Wed, 04 Jan 2012 21:10:34 GMT

Who does CITI pull in MA? I have read a lot of EQ pulls but CITI seems to pull depending on location. Any insight would be greatly apprecisted.

Re: CITI Pull

Anonymous — Wed, 04 Jan 2012 21:24:58 GMT

In another forum I am a member of has that its pulls all 3 but I am in PA and have an app pending right now and they only pulled TU I have EQ & EX frozen.

Re: CITI Pull

Anonymous — Wed, 04 Jan 2012 21:29:29 GMT

I'm in MA and had EX frozen when I applied. They required it to be unfrozen and would not pull anything else instead.

Re: CITI Pull

Anonymous — Wed, 04 Jan 2012 22:33:22 GMT

When I made the mistake apping with Citi early last year they pulled EQ, I'm in NC.

What a mistake that was, IMO Citi is terrible, and I would never give them my business.

That is only my opinion based on my experience with them.

Re: CITI Pull

LS2982 — Wed, 04 Jan 2012 22:41:43 GMT

@Anonymous wrote:
When I made the mistake apping with Citi early last year they pulled EQ, I'm in NC.

What a mistake that was, IMO Citi is terrible, and I would never give them my business.

That is only my opinion based on my experience with them.

Are they on par with CrapOne?

Re: CITI Pull

laz98 — Wed, 04 Jan 2012 22:45:16 GMT

i live in west texas & they pulled EX for us.

Re: CITI Pull

Anonymous — Wed, 04 Jan 2012 23:01:24 GMT

@LS2982 wrote:
@Anonymous wrote:
When I made the mistake apping with Citi early last year they pulled EQ, I'm in NC.

What a mistake that was, IMO Citi is terrible, and I would never give them my business.

That is only my opinion based on my experience with them.
Are they on par with CrapOne?

I'll PM you so I don't hijack CS's thread, it's kinda a long story.

Re: CITI Pull

CS800 — Thu, 05 Jan 2012 00:12:01 GMT

Reason why i asked is that yesterday Julio got approved for a CL of $16k and they pulled EQ. But it seems that CITI mostly pulls EX.

Re: CITI Pull

CS800 — Thu, 05 Jan 2012 00:12:37 GMT

@Anonymous wrote:
I'll PM you so I don't hijack CS's thread, it's kinda a long story.

Do tell

Re: CITI Pull

Anonymous — Thu, 05 Jan 2012 00:26:57 GMT

@CS800 wrote:
@Anonymous wrote:
I'll PM you so I don't hijack CS's thread, it's kinda a long story.

Do tell

think he told us in another thread

Re: CITI Pull

CS800 — Thu, 05 Jan 2012 00:28:25 GMT

@Anonymous wrote:
think he told us in another thread

I vaguely remember it.

Re: CITI Pull

Anonymous — Thu, 05 Jan 2012 00:53:28 GMT

@CS800 wrote:
@Anonymous wrote:
I'll PM you so I don't hijack CS's thread, it's kinda a long story.

Do tell

I'll copy and paste the PM I sent to LS, gimme one min.

Re: CITI Pull

Anonymous — Thu, 05 Jan 2012 00:55:31 GMT

Are they on par with CrapOne?

No, not in the same way.......

I apped for a Citi card 5/10, I had at the time a 777 EQ FICO, 1% util, 5 yrs AAoA's (now 7 yrs, thx AmEx) and maybe 1 or 2 inq's. (I would have been instant approved, I'm sure of it, I mean my score and reports were perfect, BUT................

On my EQ CR at that time, the current Employer listed on my report was not correct, it listed my old Employer (how I did not notice this is beyond me) so on my Citi app I put my current Employer, but it did not match what was on my report so I got a "Please Call" message, I called and was told the Employer I listed on my app did not match what was on my EQ report, and that they would be sending me a letter to sign, she made it seem like nothing, so I was like OK, send the letter (I figured it was just a verification letter of some sort) in the meantime I contacted EQ and informed them I needed to update my Employer info, I was told to fax a copy of a current paystub, SSN and drivers license.

I faxed the info to EQ and within 5 days my report was updated, so I contacted Citi and informed the rep that I have a current copy of my EQ report with my current Employer, and asked if I could just fax over that as verification, I was told sorry sir, we just need you to sign the letter once you receive it and send it back, I was like geeeeezzz OK.

So I get the letter, it was a 4506T form, not only that, in the letter it said "by signing this you authorize Citi to pull an additional report" I was shocked, I called back and spoke to a Manager, and explained the reason I was not instant approved was because of the Employer info not matching, he agreed that based on my score and report I would have been instant approved had it not been for the mis matched info, BUT, there was nothing he could do, and I would have to sign the 4506T form and agree to an additional HP in order to complete the app.

I said to the guy, are you serious? You're not willing to accept my current CR as verification, and you want me to sign a 4506T form?????? He said sorry sir, you have to fill out the form and send it back, I pretty much told him somewhat politely, you can take my app and stick it in the shredder and that I will take my business elsewhere and that I will never recommend Citi to anyone I know, and hung up.

That's the story with me a Citi.

Re: CITI Pull

LS2982 — Thu, 05 Jan 2012 00:57:14 GMT

@Anonymous wrote:
@CS800 wrote:
@Anonymous wrote:
I'll PM you so I don't hijack CS's thread, it's kinda a long story.

Do tell
I'll copy and paste the PM I sent to LS, gimme one min.

Yea I would def. kick Citi to the curb too stang, thats just ignorant. It seems like CC companies are not respecting your "made" FICO scores. Your the Don of credit cards!!! RESPECT!!

Re: CITI Pull

CS800 — Thu, 05 Jan 2012 00:59:41 GMT

Incredible, CITI is slowly losing my vote for the next card. They give you this much trouble and your scores are 'excellent' iamgine what they will ask me? A DNA sample to prove im me?? or my military dental record to match me up??

Re: CITI Pull

Anonymous — Thu, 05 Jan 2012 00:59:19 GMT

i played by thier rules, and got no luv,, they in SD now

Re: CITI Pull

Anonymous — Thu, 05 Jan 2012 01:00:31 GMT

@LS2982 wrote:
@Anonymous wrote:
@CS800 wrote:
@Anonymous wrote:
I'll PM you so I don't hijack CS's thread, it's kinda a long story.

Do tell
I'll copy and paste the PM I sent to LS, gimme one min.
Yea I would def. kick Citi to the curb too stang, thats just ignorant. It seems like CC companies are not respecting your "made" FICO scores. Your the Don of credit cards!!! RESPECT!!

Don Rico Swavey

Re: CITI Pull

CS800 — Thu, 05 Jan 2012 01:04:45 GMT

Mustang has the credit, the car, the ladies; i mean come on CITI

Re: CITI Pull

Anonymous — Thu, 05 Jan 2012 01:19:39 GMT

@CS800 wrote:
Mustang has the credit, the car, the ladies; i mean come on CITI

OMG, I almost fell out of my chair when I read this

You know, it just left a sour taste in my mouth when Citi did this to me, I will not ever recommend Citi to anyone, but, I'm not saying they are a bad CCC, they are just not for me.

Damn CS, I'm still laughing!!!!!!!!

Re: CITI Pull

LS2982 — Thu, 05 Jan 2012 01:31:15 GMT

@Anonymous wrote:
@CS800 wrote:
Mustang has the credit, the car, the ladies; i mean come on CITI
OMG, I almost fell out of my chair when I read this

You know, it just left a sour taste in my mouth when Citi did this to me, I will not ever recommend Citi to anyone, but, I'm not saying they are a bad CCC, they are just not for me.

Damn CS, I'm still laughing!!!!!!!!

First, you gotta get the money. Then when you get the money, you get the power. You get the power, then you get the ladies! - Tony Montana