topic Re: Who does Citi generally pull? in Credit Cards

Who does Citi generally pull?

WallyxD — Thu, 07 Feb 2013 18:18:27 GMT

I told myself I'd garden.. but the suspense of knowing if I'll get approved for a card has caused me to wanting to apply for one more card. And that card is Citi Forward Student. I want to know who they generally pull. EQ is my cleanest (fewest inquiries) and being as though I got denied from Discover because of too many inqs, I feel that I have a good chance if Citi pulls EX or EQ, but really EQ. On EQ, it says my most recent inq was a student loan for 12/12, yet on hard inquiries, it showed that Cap One was the most recent. Aside from those 2, I have 3 inquries from 7/2011, 8/2011, and 12/2011. So there's no way they can say too many inquiries in the past 12 months, because it's only been 2. But I do have 12,000 in student loans on EQ that have been deferred. Are my student loans enough for me to be denied?

Re: Who does Citi generally pull?

daybreakgonesXe — Thu, 07 Feb 2013 18:21:12 GMT

@WallyxD wrote:
I told myself I'd garden.. but the suspense of knowing if I'll get approved for a card has caused me to wanting to apply for one more card. And that card is Citi Forward Student. I want to know who they generally pull. EQ is my cleanest (fewest inquiries) and being as though I got denied from Discover because of too many inqs, I feel that I have a good chance if Citi pulls EX or EQ, but really EQ. On EQ, it says my most recent inq was a student loan for 12/12, yet on hard inquiries, it showed that Cap One was the most recent. Aside from those 2, I have 3 inquries from 7/2011, 8/2011, and 12/2011. So there's no way they can say too many inquiries in the past 12 months, because it's only been 2. But I do have 12,000 in student loans on EQ that have been deferred. Are my student loans enough for me to be denied?

When I applied for the Shell (backed by Citi), they pulled Experian for me here in NJ!

Don't worry about them denying you for student loans! My brother applied for the Discover Open Road Student (which is magically just a regular Open Road...oh well!) with student loans and got a $5000 limit on that! So it definitely doesn't scare most creditors away as long as they're either deferred and/or on time.

Re: Who does Citi generally pull?

CS800 — Thu, 07 Feb 2013 18:30:11 GMT

Pulled EX for me. I'm in MA

Re: Who does Citi generally pull?

jla84 — Thu, 07 Feb 2013 18:32:30 GMT

It depends on where you live, usually. Citi has always pulled EQ for me and I'm in NY.

Re: Who does Citi generally pull?

randeman — Thu, 07 Feb 2013 18:33:45 GMT

Citi pulled Experian for me as well.

Re: Who does Citi generally pull?

SnackTrader — Thu, 07 Feb 2013 18:46:28 GMT

Pulled EX for me also. My credit report has addresses in multiple states, so I don't know if state mattered or not.

Re: Who does Citi generally pull?

SFernandez13461 — Thu, 07 Feb 2013 18:50:07 GMT

They pulled EQ for me and DH. We're in CA.

Re: Who does Citi generally pull?

WallyxD — Thu, 07 Feb 2013 18:50:23 GMT

Okay thank you guys. Both EQ and EX are good. As long as it's not TU, then I should be good. Does anyone know why they ask if we have an outstanding balance? haha

Re: Who does Citi generally pull?

Anonymous — Thu, 07 Feb 2013 19:54:53 GMT

EQ for me here in KY

Re: Who does Citi generally pull?

Anonymous — Thu, 07 Feb 2013 20:00:41 GMT

Experian for me in NC

Re: Who does Citi generally pull?

Anonymous — Thu, 07 Feb 2013 23:47:41 GMT

Mostly EX and than EQ

Re: Who does Citi generally pull?

MountainHiker — Thu, 07 Feb 2013 23:54:02 GMT

@Anonymous wrote:
Experian for me in NC

I hope citi pull exclusively EX in North Carolina.
Which is my new residence Would like to try for them in april.

Re: Who does Citi generally pull?

distantarray — Fri, 08 Feb 2013 01:19:05 GMT

Experian in FL

Re: Who does Citi generally pull?

bluesnowman — Fri, 08 Feb 2013 01:36:59 GMT

Im In California, and when I called in to talk to Citi, they told me that EX was pulled for me. From what I have read, they almost always pull EX and then EQ and very rarely TU.

Re: Who does Citi generally pull?

AF_23 — Fri, 08 Feb 2013 02:29:48 GMT

@MountainHiker wrote:
@Anonymous wrote:
Experian for me in NC
I hope citi pull exclusively EX in North Carolina.
Which is my new residence Would like to try for them in april.

Nope. 3 times for EQ. 1 for EX In NC for me

Re: Who does Citi generally pull?

sakhalin070 — Sat, 09 Feb 2013 06:39:28 GMT

EX in WA

Re: Who does Citi generally pull?

Anonymous — Sat, 09 Feb 2013 09:11:53 GMT

Pulled Equifax for my home address in Arizona