Citi pulls equifax when responding to mail offer.

[Anonymous]

Hello everyone. 

I just wanted to share my experience with Citi and their mailer promotions. In June 2019 I applied for the Citi DC with the reference code in the mailer I received. Citi pulled an Equifax score that was 3 months old and I was denied. 

Fast forward to early February 2020, I received another mailer for the Citi Rewards+, used the reference number, and was approved for $1800 SL, while having opened 5 other cards in 2019.

So I just wanted people to know that Citi pulls Equifax when responding to mail offers, and the dates of the reports may vary.

Hope this helps.

[Ficoproblems247]

I'm fairly certain this varies by geolocation and other factors. When responding to a mailer from them in October, they double pulled my EX, and EQ. Current reports-no dated data. 

[FinStar]

Actually, I'd say that's more profile-dependent and based on geographical location as well.

Mine were EX pulls on a couple mailers, definitely not EQ. 

[Anonymous]

I think it's just more geo specific too. With a bit of randomness thrown in..

[CreditCuriosity]

Hit everytime with EQ and citi and possibly mix in an Exp HP as well..  Very geo with citi as others echoed

[Meanmchine]

Thanks for your input !

[FICOnoob2020]

My Citi DC app last fall, in response to a mailer, was also a double (EQ/EX) pull.

[mikesonthemend]

DW's Citi DC mailer was a double pull, eq originally and ex on call in verification. #Georgia

[donkort]

I live in New York City.  When my credit is pulled fpr any reason,  it was mostly TransUnion, with some Experian.  Very little Equifax. 

[FidensPR]

Applied for the Citi DC and was double pulled EX/EQ. After 9 days I applied for the Citi Costco Visa and only EQ was pulled.