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Any other HPs or new acc that may have jus hit your EX CR???
Or they may not use a straight Fico 8 for approvals.
Citi seems INQ sensitive lately
When they approved me Citi used a score that was on a scale of 250 - 900. My score was a 750. I believe it is some kind of Risk score, I have no clue. They also only pulled Experian for me.
I believe Citi uses a different scoring model. When I received a letter from them my EX score was different from my actual FICO EX score.