Citi, which report?

jordanmedical · ‎05-20-2013

Which report does Citi cc's and also the citi home depot card pull?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)

Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

enharu · ‎05-20-2013

You can check whogavemecredit or google search credit pulls database.

The answer varies depending on where you live.

Citi generally pulls ex or eq however.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

longtimelurker · ‎05-20-2013

And in at least some cases double pulls.

jordanmedical · ‎05-20-2013

I couldn't find anything specific on who gave me credit recently about which report they pull.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)

Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

LS2982 · ‎05-20-2013

@jordanmedical wrote:
I couldn't find anything specific on who gave me credit recently about which report they pull.

I think its safe to say Citi pulls from either EX. EQ, or TU.

EQ FICO 548 3/3/16

rex_03 · ‎05-20-2013

Citi TY Pref. pulled EX, I'm in Florida if that has a bearing to anyone.

longtimelurker · ‎05-20-2013

@jordanmedical wrote:
I couldn't find anything specific on who gave me credit recently about which report they pull.

The other one is much easier to use. Search for Citi and your state, and the second column lists the CRA pulled for that card app.

emptypockets · ‎05-20-2013

I am in MI, Citi always pulls EX for me (Diamond Pref, Dividend). For Home Depot, they pulled EQ. I think with Citi, who they pull may vary depending on where you live.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797

jordanmedical · ‎05-20-2013

Ty, I'm in FL

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)

Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

longtimelurker · ‎05-20-2013

If you look on the credit pulls site for FL, looks pretty even split between EQ and EX for Florida in 2012-2013.