topic Re: Soft Pull on EX from Citi Question in Credit Cards

Soft Pull on EX from Citi Question

dumaine — Sun, 04 Aug 2013 23:19:59 GMT

Hello all.. I have been going thru various posts for a few months now and finally decided to post.

Citi softed EX back in May and since then I have been getting at least 1 teaser in the mail per month. Question is, If I so decided to apply, does that soft on EX indicate that they will pull EX only? Or might they switcharoo on me?

My Location is Michigan if that helps..

Thanks!!

Re: Soft Pull on EX from Citi Question

09Lexie — Sun, 04 Aug 2013 23:32:36 GMT

Welcome to the forum! They might but they might not. I'd suggest looking at whogavemecredit.com

Good luck if you decide to app.

Re: Soft Pull on EX from Citi Question

dumaine — Sun, 04 Aug 2013 23:35:58 GMT

Thanks for the quick reply!!!

Re: Soft Pull on EX from Citi Question

09Lexie — Sun, 04 Aug 2013 23:36:23 GMT

No problem! Others might chime in too.

Re: Soft Pull on EX from Citi Question

djc1puno — Mon, 05 Aug 2013 00:09:01 GMT

They can always pull others or all...ymmv but like lexie said whogavemecredit or credit pulls database will help based on you location gl

Re: Soft Pull on EX from Citi Question

azguy13 — Mon, 05 Aug 2013 01:21:44 GMT

When I app'd for the TYP they pulled EX

Re: Soft Pull on EX from Citi Question

bmis42988 — Mon, 05 Aug 2013 01:28:19 GMT

I just got my first invite that isn't a credit one/first financial, the Citi Diamond Preferred. I highly doubt I can get approved for it though since I just got 6 cards recently lol.

Re: Soft Pull on EX from Citi Question

azguy13 — Mon, 05 Aug 2013 01:30:06 GMT

@bmis42988 wrote:
I just got my first invite that isn't a credit one/first financial, the Citi Diamond Preferred. I highly doubt I can get approved for it though since I just got 6 cards recently lol.

6 Cards is a good amount of new accounts. Did they all pull the same CRB? If the inq's are spread around and the new accounts havent posted yet to your CR, then there may be a chance. I would wait though.

Re: Soft Pull on EX from Citi Question

bmis42988 — Mon, 05 Aug 2013 01:57:54 GMT

I apped for all my cards on the 14-16th. They all updated, minus the freedom which was a bit later. I'd have to see where my inq's are at atm. I know for sure EX has 16 lol. I think EQ/TU might have 8-9 each.

Re: Soft Pull on EX from Citi Question

azguy13 — Mon, 05 Aug 2013 02:22:16 GMT

@bmis42988 wrote:
I apped for all my cards on the 14-16th. They all updated, minus the freedom which was a bit later. I'd have to see where my inq's are at atm. I know for sure EX has 16 lol. I think EQ/TU might have 8-9 each.

I'm guessing you may want to garden for a bit and let those inq's age off or jsut age in general. Even though they are on your CR for 2 years, they only count against your FICO for 1 year.

Re: Soft Pull on EX from Citi Question

bmis42988 — Mon, 05 Aug 2013 03:32:20 GMT

Yeah i'm in the garden for at least 6 months until i request some CLI's

Re: Soft Pull on EX from Citi Question

lhcole77 — Mon, 05 Aug 2013 05:01:48 GMT

I live in California. I apped for the Citi Simplicity card in June. They pulled both EX and EQ on me.

Re: Soft Pull on EX from Citi Question

dumaine — Fri, 23 Aug 2013 12:17:52 GMT

Well I went on and pulled the trigger. Approved, and they did pull EX. Now have the Diamond Preferred (for what its worth) to go along with Discover It and Cap One Sony Visa.

Re: Soft Pull on EX from Citi Question

missjae — Fri, 23 Aug 2013 13:49:13 GMT

@dumaine wrote:
Well I went on and pulled the trigger. Approved, and they did pull EX. Now have the Diamond Preferred (for what its worth) to go along with Discover It and Cap One Sony Visa.

Congrats!

Re: Soft Pull on EX from Citi Question

dumaine — Fri, 23 Aug 2013 15:22:22 GMT

@missjae wrote:
@dumaine wrote:
Well I went on and pulled the trigger. Approved, and they did pull EX. Now have the Diamond Preferred (for what its worth) to go along with Discover It and Cap One Sony Visa.

Congrats!

Thanks!!