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Will Citi recon using a different bureau?

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New Contributor

Will Citi recon using a different bureau?

Hi All!

I really wanted the Citi DC as my last card before I escort myself to the garden for a long time because I could benefit from the 2% cash back. I looked on the credit pills database and others reported that EQ was pulled in NJ. I did notice though on the forums that everyone mentioned a HP to EX. So I purposely didn’t unfreeze my EX report because I have a crap ton of inquires mostly because of two car purchases in the past 2 years (first one was stolen). I’ve read that they’re inquiry sensitive so I didn’t want to waste another HP on a definite denial. Apped for the DC and was auto denied then I got an email from EX saying they blocked an inquiry.

My question is, does anyone have experience with them being willing to pull another bureau?
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Message 1 of 10
9 REPLIES 9
Super Contributor

Re: Will Citi recon using a different bureau?

Citi requires the EX pull. 

 

https://www.doctorofcredit.com/which-credit-card-issuers-will-approve-an-application-with-a-frozen-c...

 

Citi DC is probably out of reach for you (they denied me after pulling TU and EX), maybe check the PayPal Cashback. It’s a Synchrony card and offers the same 2% cash back. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 2 of 10
Frequent Contributor

Re: Will Citi recon using a different bureau?

When I applied for the Costco visa, Citi pulled eq and ex, so the only other option 

would be tu. 

Message 3 of 10
New Contributor

Re: Will Citi recon using a different bureau?

@Saeren thank you for that link its extremely helpful! It will probably be another year before my inquiries are up to par so I will probably hold off on applying for anything. I will look into PayPal approvals to see if I have a shot.
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Message 4 of 10
New Contributor

Re: Will Citi recon using a different bureau?

It seems to me that a lot of creditors like to pull EX. I will just have to keep getting cozy with NFCU for now!
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Message 5 of 10
Super Contributor

Re: Will Citi recon using a different bureau?

With a 643 TU, you should have a shot but I can’t guess at what the CL would be. Sync has been soft pulling EX or EQ (they SP EQ for me) in addition to a TU HP lately so if you go for it, make sure all three are unfrozen (Synchrony has issues SPing when reports are frozen - I had to thaw my TU for them to be able to start my FICO score monitoring and every time I ask for a CLI) but the most likely HP is TU. 

 

NFCU is fantastic for growth but they are HP happy too. I have 2 on TU and 3 on EQ from them. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 6 of 10
New Contributor

Re: Will Citi recon using a different bureau?

@Saeren may I ask what your scores were when you were approved for your PayPal card? I wish Navy offered more than the 1.5 CB. I’m not good with cards with points I just get confused lol
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Message 7 of 10
Super Contributor

Re: Will Citi recon using a different bureau?

Navy’s Amex is a 3/2/1 card. It has a $50 minimum redemption for cash back but otherwise it’s pretty straightforward. 

 

I was approved with a 706 TU because I had just gotten some negatives removed via the EE process which got me an $8K SL on the PayPal card, however, there are people around your score that got approved, even if it was $300 or $700, Synchrony cards tend to grow rapidly (the PayPal DPs suggest they don’t tend to grow until the 5th month generally). 

 

With a 652 TU less than 2 weeks before I went for the PayPal, Sync instantly approved me for $1800 on the Amazon Prime Store Card for some reference. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 8 of 10
Super Contributor

Re: Will Citi recon using a different bureau?

Honestly I just looked at your cards and I think you should just park it in the garden. You’ve got a great deck of cards for rebuilding. I would just let things age now. 

 

2% is not much more than 1.5% in the grand scheme of things and if you hit up the Member Mall with NFCU, you’ll get your 1.5% cash back plus a minimum of 1% additional for any affiliate links you follow from the store. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 9 of 10
New Contributor

Re: Will Citi recon using a different bureau?

@Saeren thanks for the advice I think you are right! I will garden for now and let these cards grow and use NFCU to my advantage for now.

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Message 10 of 10
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