Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

[myquestionsfico]

I got an invitation to apply - with a set APR - to Citi Diamond Preferred. I'm thinking of applying (I like their 18 months of balance transfer at 0%), but I have all 3 credit bureaus locked. 

My TransUnion report is strong (FICO 750) - with no baddies except some lates back in 2014-16 (was out of work for a while).  Equifax (707) and Experian (715) still have some charge offs that will fall off this year.

I'm wondering what would make sense to do - maybe unlock TransUnion only?  If I'm going to apply, I want to be approved.  I live in WA state.  Any idea which bureau they pull, and if they can't see one of them, would they try to HP each til they get one that works?

[FinStar]

Depending how much you want this CC, and if you want to avoid any issues in getting approved, I would unlock all 3 just to be safe.   They've been known to pull EX and/or EQ as the primary ones.  Sometimes they can pull 2 of them, but YEMV.  

[Mr_Mojo_Risin]

From what I've read here on the forums, seems they like to use EX and EQ. Some members have been double-pulled and others not.

[cashorcharge]

My friend received a pre-approved offer for the Citi Rewards that included a fixed APR.  He app'd and was approved.  They did 2 HP....EX and EQ.  This was last month

[Ficoproblems247]

Yeah, Citi can really be all over the place like the others said. For my application they double pulled EX and EQ. For a HP CLI they single pulled EQ. 

[myquestionsfico]

Thanks all.  I definitely would rather not be double-pulled, and also it sounds like it would be against my lower two credit scores/files with some past charge-offs.  I'm wondering if 707 (EQ) and 715 (EX) do the trick on this card.  Does anyone have any data points on what scores you need potentially to get an approval?

[AverageJoesCredit]

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@FinStar wrote:

Depending how much you want this CC, and if you want to avoid any issues in getting approved, I would unlock all 3 just to be safe.   They've been known to pull EX and/or EQ as the primary ones.  Sometimes they can pull 2 of them, but YEMV.  

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Citi ALWAYS double pulls me, even on denials. Bad Citi bad!

[myquestionsfico]

So, I decided to pull the trigger.  From what I can tell so far, only a single pull - Experian.  I just re-locked all 3 reports, so they can't go back and try another.  Got approved for $5K.  Not a big limit, but it's a start. 

Is Citi pretty good about CLI's?  Do they have a recon line?  I'd love to have a higher limit to take advantage of their balance transfers without maxing this card out.

[AllZero]

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@myquestionsfico wrote:

So, I decided to pull the trigger.  From what I can tell so far, only a single pull - Experian.  I just re-locked all 3 reports, so they can't go back and try another.  Got approved for $5K.  Not a big limit, but it's a start. 

Is Citi pretty good about CLI's?  Do they have a recon line?  I'd love to have a higher limit to take advantage of their balance transfers without maxing this card out.

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Congratulations on your approval! I think CLI request are every 6 month interval. Look for the SP verbiage.

[myquestionsfico]

Thank you!  Is there a way to recon the original CL?