Notice of Incomplete Application

[Jolo0801]

I app'd for the CitiBank Simplicity Card yesterday and it was denied.

However, I get an email this morning saying my application was incomplete.

The reason being my Equifax report is on lock.

I don't want anyone pulling it until the score goes up and the inquirys drop off.

Questions:

1. Do you think I can recon and convience them to make a decision  with only TU and EX, which they've already pull a HP.

2. Are they inquiry friendly (EQ very high on IQs)

[SecretAzure]

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@Jolo0801 wrote:

I app'd for the CitiBank Simplicity Card yesterday and it was denied.

However, I get an email this morning saying my application was incomplete.

The reason being my Equifax report is on lock.

I don't want anyone pulling it until the score goes up and the inquirys drop off.

Questions:

1. Do you think I can recon and convience them to make a decision  with only TU and EX, which they've already pull a HP.

2. Are they inquiry friendly (EQ very high on IQs)

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I'm no expert on these types of situations so I'll wait for somebody more knowledgable to respond but I will say that this appears to be a lose/lose situation no matter what you do.

Good luck!

[Anonymous]

What does your eq report look like?

[ddemari]

My EQ is on lock too. When I applied for Citi thank you prefered they immediately said i would be contacted in writing within X amount of time.

They also immediately pulled EX. Then about a day later they sent me this email. 

We've stopped reviewing your application

Thanks for your interest in the Citi ThankYou® Preferred MasterCard® account. We can't finish processing the application because of the following:

Ÿ We received notification from the consumer reporting agency listed below that you have placed a security block on your credit file. For us to continue processing your application, we need to access your credit report. Please contact the credit reporting agency to obtain instructions on how you can allow us to access your credit report. When you have the necessary information, please call us at 

If we do not hear from you within 30 days from the date of this letter, we will be unable to give your application further consideration.

Equifax Credit Information Service
PO Box 740241
Atlanta, GA 30374-0241

We hope to hear from you soo

[ddemari]

i was hoping they would do an EX TU pull for me but I don't think they are flexible. Also they are very inquiry sensitive, very sensitive in general. I think you would need at least a MINIMUM of 670 fico with little inquiries and nothing negative. but thats just my impression of them