What bureau does Citi use for HP CLIs?

[Anonymous]

Is there any consistency here, or is it sort of like applications where it can be any bureau?  If you go for a Citi HP CLI at the 6 month mark on your account, would they pull a different bureau for the CLI than they did at the time of the app, or could it be the same one?

When I was approved for my DC card Citi double pulled me on EX and EQ.  I'm wondering if for a HP CLI at the 6 month mark if they'd use one of the same bureaus or if they will go for TU since that's the one they haven't pulled yet.  Not sure if there's some standard protocol here like Citi always uses X bureau for HP CLIs or if it varies.  Any feedback from those that have gone through this would be great.  Thank you!

[Curious0ne]

For me they pulled Equifax for CLI.

[Gmood1]

Yup.. they'll pull EQ.

[Anonymous]

And was EQ pulled for either of you at the time of your application?  How old was your account when you requested the HP CLI?

[Gmood1]

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@Anonymous wrote:

And was EQ pulled for either of you at the time of your application?  How old was your account when you requested the HP CLI?

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Yes EQ and EX pulled on first app. Mine was a year only because that's when I received my first SP increase. My advice is to get your SP CLI and then submit your HP request for $20,000.

[AverageJoesCredit]

For the life of me EQ for everything ...booooo

[Anonymous]

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@Gmood1 wrote:

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Yes EQ and EX pulled on first app. Mine was a year only because that's when I received my first SP increase. My advice is to get your SP CLI and then submit your HP request for $20,000.

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Thanks for the info.  That was more or less my plan, take whatever I can get from a SP CLI when I hit the 6 month mark then a few days later call and submit to the HP CLI for $20k or so.  EQ is my highest score, so I'm perfectly content with them using that for the HP CLI.  Is Citi known to not use TU?  That's also fine by me, as TU is the only bureau I'm dirty on.

As an aside, I'm nearing my 4th month with Citi and have yet to receive a FICO score from them on my account, and my Citi account still has not shown up on my TU report, just EX and EQ.

[Gmood1]

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@Anonymous wrote:

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@Gmood1 wrote:

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Yes EQ and EX pulled on first app. Mine was a year only because that's when I received my first SP increase. My advice is to get your SP CLI and then submit your HP request for $20,000.

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Thanks for the info.  That was more or less my plan, take whatever I can get from a SP CLI when I hit the 6 month mark then a few days later call and submit to the HP CLI for $20k or so.  EQ is my highest score, so I'm perfectly content with them using that for the HP CLI.  Is Citi known to not use TU?  That's also fine by me, as TU is the only bureau I'm dirty on.

As an aside, I'm nearing my 4th month with Citi and have yet to receive a FICO score from them on my account, and my Citi account still has not shown up on my TU report, just EX and EQ.

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I've never seen anyone mention TU used by Citi. 

Do not wait several days before submitting HP CLI.

As soon as the SP goes through. You'll be asked if you would like to request more. That's when you make your request. If you wait, you will be locked out of another increase for 180 days. Make the request immediately after receiving the SP. There's no reason to call. Unless you just enjoy talking to people. Lol

[DeeBee78]

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@AverageJoesCredit wrote:
For the life of me EQ for everything ...booooo

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Try living on the west coast! You get to pull Experian, you get to pull Experian, and even you too! 

[Anonymous]

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@Gmood1 wrote:

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I've never seen anyone mention TU used by Citi. 

Do not wait several days before submitting HP CLI.

As soon as the SP goes through. You'll be asked if you would like to request more. That's when you make your request. If you wait, you will be locked out of another increase for 180 days. Make the request immediately after receiving the SP. There's no reason to call. Unless you just enjoy talking to people. Lol

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Looking at the credit pulls database, it looks like Citi does use TU on occasion, but I'd say it's maybe 10% of the time compared to EX and EQ which makes up the other 90%.  Of course that's just for approvals, as the CPDB doesn't give us any data on HP CLI pulls.

Great info on doing the HP CLI request right after the SP one.  I would have not thought to do this immediately, so I appreciate the heads up on that!  Also good to know that it can be done online, as I do not particularly like talking to people. 

You said you'll be asked if you want to request more.  At that point, does it prompt you to enter in how much more you'd like, or what you want your total limit to be?  Once submitting it, do you get an immediate answer?  If you shoot too high, do you get an immediate counter?  Does the amount you are approved for automatically take, or do you have to accept/deny it?  I know with some creditors like Synchrony the rule of thumb is to shoot for the stars and you'll get countered with the best that your profile allows, but I'm not sure how Citi views/handles this subject.