I as of this morning I had FICOs of 630 (TU), 656 (EQ), 668 (EX) and True Credit FAKOs of 604 TU, 612 EQ, 603 Ex. I decided this afternoon to apply for Citi Premier Pass card in hopes of converting to a Dividends card. Citi pulled EQ (as I was hoping) but did NOT give me Instant Approval. Does this mean I'm denied?Just now True Credit says my FAKOs are 593 TU, 591 EX, 603 EQ....but only EQ was pulled for Citi inquiry...what gives? Nothing else changes according to my observation. Why does True Credit modify all scores with a change to one bureau report?