Need help understanding citi

rcsidwell · ‎02-17-2014

Applied Saturday for citi diamond card, got denied. Received email Sunday that they could not complete my application ,because of freeze on equifax, but they pulled experian, when I called , rep, told me they tried to pull equifax, only.i received three different alerts about citi checking experian,what should I do , or call.thanks

enharu · ‎02-17-2014

@rcsidwell wrote:
Applied Saturday for citi diamond card, got denied. Received email Sunday that they could not complete my application ,because of freeze on equifax, but they pulled experian, when I called , rep, told me they tried to pull equifax, only.i received three different alerts about citi checking experian,what should I do , or call.thanks

they tried to double pull your file.

you will need to unfreeze equifax and let them pull that as well.

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).

Happychap · ‎02-17-2014

I apped for this card last week and they pull both Eq and Ex.

rcsidwell · ‎02-17-2014

The problem I have now ifs equifax score not that good,that's why I froze my report

enharu · ‎02-17-2014

Well now the problem is if you don't unfreeze equifax, they will decline your app and you took an experian inquiry for no reason.

This is why its usually pointless to try freeze your files to prevent a lender, especially a national bank, from pulling certain bureaus. National banks can pull from any or all 3 of the bureaus.

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).

enharu · ‎02-17-2014

Also to add:

When you are borderline approval criteria, banks tend to pull from more bureaus as well.

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).

rcsidwell · ‎02-17-2014

Thanks for your help

youngandcreditwrthy · ‎02-17-2014

I don't like Citi too much. This is one of the reasons why. Good luck though!

yudeology101 · ‎02-17-2014

@enharu wrote:
@rcsidwell wrote:
Applied Saturday for citi diamond card, got denied. Received email Sunday that they could not complete my application ,because of freeze on equifax, but they pulled experian, when I called , rep, told me they tried to pull equifax, only.i received three different alerts about citi checking experian,what should I do , or call.thanks
they tried to double pull your file.
you will need to unfreeze equifax and let them pull that as well.

+1. You mind as well unfreeze it so that your EX HP won't go into a waste. Best of luck and keep us updated.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

longtimelurker · ‎02-17-2014

@yudeology101 wrote:
@enharu wrote:
@rcsidwell wrote:
Applied Saturday for citi diamond card, got denied. Received email Sunday that they could not complete my application ,because of freeze on equifax, but they pulled experian, when I called , rep, told me they tried to pull equifax, only.i received three different alerts about citi checking experian,what should I do , or call.thanks
they tried to double pull your file.
you will need to unfreeze equifax and let them pull that as well.

+1. You mind as well unfreeze it so that your EX HP won't go into a waste. Best of luck and keep us updated.

Well, if OPs EQ score is really bad (as said) then might not be worth it, as there would be a wasted EQ pull as well. Just cut the losses!