Well, why only 2/3 unforzen?
When I got mmy 2 cards with them they pulled EQ/EX for approvals and EQ for CLI's when asking for the HP in addition to the SP CLI.
Did you IIB them? Late payments?
Usually when you don't see a HP from a major bank either you're on their blacklist or you put in the wrong SSN.... or your still frozen.
Yeah, I get alerts instantly w/ apps w/ most lenders.
I did apply for a little unknown bank this year and didn't get any alerts from that app but, ended up w/ a letter saying they couldn't match my info to a CR and there wasn't a HP anywhere to be seen. I don't know if their backend wasn't connecting to the CRA's that day or what the deal was and moved onto a different app on the list I had at the time. Even some of the dark ages banks w/ bad technology will show a HP instantly or at least within a day or two.
Citi can be wonky at times though too. If I make a change to an account like an approval or PC I'll get locked out of the system for a couple of days while it's processing for whatever reason and then it just starts working again. So, there's that...
Citi: 800-763-9795 (They ask for your app #)
671 on EX isn't really all that bad for Citi. Even with 800+ it's a roll of the dice with them if you don't follow the app rules.
We will never know if you would be approved since you froze yourself out of a decision. I kind of figured it would be Experian related though since it wasn't thawed out.