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Citizens Bank CLI HP? What bureau?

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Credit12Fico
Established Contributor

Citizens Bank CLI HP? What bureau?

Does anyone know if Citizens is using Experian and doing hard pulls for CLI on personal cards now? Older DPs say they did soft pull on Equifax but recent information suggest they no longer use Equifax. 

 

I know they had a negative change of procedure on the business credit side but I don't know if that has affected the personal side. 

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northway
Frequent Contributor

Re: Citizens Bank CLI HP? What bureau?

It's still Equifax for everything. The consumer side hasn't changed to Experian.

Personal Cards:
Message 2 of 4
AzCreditGuy
Valued Contributor

Re: Citizens Bank CLI HP? What bureau?

Its a HP for me I never went through with it, not worth it. Its been at $8k for 5 yrs and its my bucket card

Message 3 of 4
coldfusion
Credit Mentor

Re: Citizens Bank CLI HP? What bureau?

If CLI requests on their personal cards are now only triggering soft pulls that's a recent change.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 4
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