Citi Prequal with BK

[Anonymous]

Thank you so much! This is definitely something to work with. I wonder if Citi only pulls EX or if it depends on where you live. I’m in California.

[Anonymous]

They double pulled me with EQ and EX and I live in WI. My utilization was in the high 20s. Good luck.

[Anonymous]

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@Anonymous wrote:
Thank you so much! This is definitely something to work with. I wonder if Citi only pulls EX or if it depends on where you live. I’m in California.

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They pulled me in CO with TU and EX. 

[imaximous]

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@Anonymous wrote:
Thank you so much! This is definitely something to work with. I wonder if Citi only pulls EX or if it depends on where you live. I’m in California.

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I honestly don't know. It may be a regional thing or a state regulation, but they've only pulled 1 bureau for me (and DW too). EX 99% of the time and EQ only in one instance. However, the EQ pull happened after I got an approval using EX, so Citi might've decided to mix it up. After that, they went back to EX.

I haven't looked at a full report lately, so they may have soft-pulled a second bureau or all 3, but I only got hit for 1 every time.

[imaximous]

Side note, any of you guys who got approved with BKs showing, have you tried to get a CLI? Mind sharing outcomes? Thanks!

[Loquat]

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@imaximous wrote:

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@Loquat wrote:

OP.  Since you're this close to having it fall off I would wait.  With that being said, my BK13 is alive and well on my report.  Citi only seems to pull EQ for me.  I've never prequalified for any of their products via their website but in my aresenal of cards I do have the Double Cash, AAdvantage, Premier, Best Buy Visa, Simplicity and Diamond Preferred.   With the exception of a verification call I've never had any issues with them and I did burn with in my BK13 for a low limit Home Depot card.  

Again, since you're so close to your BK falling off I'd just wait it out a little bit more. 

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Just a bit off-topic here... Have you been able to get any CLIs? I've read that while you may get approved for a card, CLIs get auto-declined because of the BK.

OP, I got 3 Citi cards with BK7 showing. 2 business (Costco & AA) and 1 personal (Prestige). I never got prequals either but my approvals came after the 7th year post BK. Apps for DC and Prestige before 7 yrs got declined, IME. Also, my approvals were automatic -- no recon or any verifications required.

If I were you, I'd wait till BK is off my reports and join with a clean file. You're really close. What you could also do to be proactive is submit a request for early exclusion. You might be able to get the BK removed earlier than June.

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In my experience I've not had my BK13 be issue as it relates to CLI's.  Actually every card I've had with them has seen multiple CLI's.

[imaximous]

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@Loquat wrote:

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@imaximous wrote:

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@Loquat wrote:

OP.  Since you're this close to having it fall off I would wait.  With that being said, my BK13 is alive and well on my report.  Citi only seems to pull EQ for me.  I've never prequalified for any of their products via their website but in my aresenal of cards I do have the Double Cash, AAdvantage, Premier, Best Buy Visa, Simplicity and Diamond Preferred.   With the exception of a verification call I've never had any issues with them and I did burn with in my BK13 for a low limit Home Depot card.  

Again, since you're so close to your BK falling off I'd just wait it out a little bit more. 

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Just a bit off-topic here... Have you been able to get any CLIs? I've read that while you may get approved for a card, CLIs get auto-declined because of the BK.

OP, I got 3 Citi cards with BK7 showing. 2 business (Costco & AA) and 1 personal (Prestige). I never got prequals either but my approvals came after the 7th year post BK. Apps for DC and Prestige before 7 yrs got declined, IME. Also, my approvals were automatic -- no recon or any verifications required.

If I were you, I'd wait till BK is off my reports and join with a clean file. You're really close. What you could also do to be proactive is submit a request for early exclusion. You might be able to get the BK removed earlier than June.

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In my experience I've not had my BK13 be issue as it relates to CLI's.  Actually every card I've had with them has seen multiple CLI's.

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Thanks for the feedback. I was denied my first SP CLI on the Prestige due to BK on report, so I searched around and I found a couple of posts from people who mentioned the same type of denial. I noticed the SP CLI language only a couple of weeks after getting approved. Before getting the official denial letter, I was thinking that I'd asked way too soon, but the reason was the BK. 

I'll give it another shot but I'm going to wait till the 3rd month maybe.