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Denied Citi CLI soft pull

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Anonymous
Not applicable

Denied Citi CLI soft pull

So I just tried for an auto cli, and was denied. I am assuming it was because an old report was used and that showed high utilization across the board. But before I had done so, a customer service manager told me when i hit the button, a soft pull would be generated right then and there and an older soft pull would not be used. My limit is 1700 with perfect history on all my cards and FICO is 710 with an AAoA about 15 months. Is there anything i can do aside from requesting a hard pull be used to reconsider?

Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Denied Citi CLI soft pull


@Anonymous wrote:

So I just tried for an auto cli, and was denied. I am assuming it was because an old report was used and that showed high utilization across the board. But before I had done so, a customer service manager told me when i hit the button, a soft pull would be generated right then and there and an older soft pull would not be used. My limit is 1700 with perfect history on all my cards and FICO is 710 with an AAoA about 15 months. Is there anything i can do aside from requesting a hard pull be used to reconsider?


Can you check backdoor and see if a SP was actually done today?

Message 2 of 7
Anonymous
Not applicable

Re: Denied Citi CLI soft pull

Do you know the number?

 

No reason to decline me. My report is almost flawless. 

Message 3 of 7
AverageJoesCredit
Legendary Contributor

Re: Denied Citi CLI soft pull

How long have you had the account?. I just hit my 1 year mark with Citi Dc, didnt get the sp language until maybe 9 months and they never gave me anything when i did push it. About 2 months ago they gave me an auto increase of $600. When i try hitting the sp luv button now, they say they just gave me an increase so try again in 6 months. Im hoping in 4 months, theyll actually give me the sp luv this time as the language i had recieved this time seems more positive for my next trySmiley Happy.

With some , they get sp luv from the begining because they have a syrong profile or Citi loves there profile, while others, it takes awhile to warm up to.Smiley Wink
Message 4 of 7
Anonymous
Not applicable

Re: Denied Citi CLI soft pull

I have 12 months that have reported. 

Message 5 of 7
UncleB
Credit Mentor

Re: Denied Citi CLI soft pull


@Anonymous wrote:

@Anonymous wrote:

So I just tried for an auto cli, and was denied. I am assuming it was because an old report was used and that showed high utilization across the board. But before I had done so, a customer service manager told me when i hit the button, a soft pull would be generated right then and there and an older soft pull would not be used. My limit is 1700 with perfect history on all my cards and FICO is 710 with an AAoA about 15 months. Is there anything i can do aside from requesting a hard pull be used to reconsider?


Can you check backdoor and see if a SP was actually done today?


This is your friendly neighborhood mod with a public service announcement reminder to be careful... advocating getting a credit report using false pretenses can get a post edited or thread locked, as it's against the forum's TOS.

 

I'm not saying you are suggesting this... this message is just a general PSA.  Smiley Wink

Message 6 of 7
Anonymous
Not applicable

Re: Denied Citi CLI soft pull

Im not sure i understand what you are saying or implying. 

Message 7 of 7
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