Who does Citi generally pull?

WallyxD · ‎02-07-2013

I told myself I'd garden.. but the suspense of knowing if I'll get approved for a card has caused me to wanting to apply for one more card. And that card is Citi Forward Student. I want to know who they generally pull. EQ is my cleanest (fewest inquiries) and being as though I got denied from Discover because of too many inqs, I feel that I have a good chance if Citi pulls EX or EQ, but really EQ. On EQ, it says my most recent inq was a student loan for 12/12, yet on hard inquiries, it showed that Cap One was the most recent. Aside from those 2, I have 3 inquries from 7/2011, 8/2011, and 12/2011. So there's no way they can say too many inquiries in the past 12 months, because it's only been 2. But I do have 12,000 in student loans on EQ that have been deferred. Are my student loans enough for me to be denied?

daybreakgonesXe · ‎02-07-2013

@WallyxD wrote:
I told myself I'd garden.. but the suspense of knowing if I'll get approved for a card has caused me to wanting to apply for one more card. And that card is Citi Forward Student. I want to know who they generally pull. EQ is my cleanest (fewest inquiries) and being as though I got denied from Discover because of too many inqs, I feel that I have a good chance if Citi pulls EX or EQ, but really EQ. On EQ, it says my most recent inq was a student loan for 12/12, yet on hard inquiries, it showed that Cap One was the most recent. Aside from those 2, I have 3 inquries from 7/2011, 8/2011, and 12/2011. So there's no way they can say too many inquiries in the past 12 months, because it's only been 2. But I do have 12,000 in student loans on EQ that have been deferred. Are my student loans enough for me to be denied?

When I applied for the Shell (backed by Citi), they pulled Experian for me here in NJ!

Don't worry about them denying you for student loans! My brother applied for the Discover Open Road Student (which is magically just a regular Open Road...oh well!) with student loans and got a $5000 limit on that! So it definitely doesn't scare most creditors away as long as they're either deferred and/or on time.

CS800 · ‎02-07-2013

Pulled EX for me. I'm in MA

jla84 · ‎02-07-2013

It depends on where you live, usually. Citi has always pulled EQ for me and I'm in NY.

Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3

Take the FICO Fitness Challenge

randeman · ‎02-07-2013

Citi pulled Experian for me as well.

Experian Score: 689--Amex 27 July 2014; Equifax Score 680--MyFICO--17 September 2014; TransUnion Score 718-Discover 20 August 2014--PUH-RAISE JESUS, I finally broke 700!!! Cards and Credit Lines: Escape by Discover, Chase Freedom Signature Visa, Chase United MileagePlus Explorer Signature Visa, Chase Sapphire Preferred Signature Visa, Barclay's Holland America Visa, Citibank Custom Credit Line, Paypal Custom Connect Credit Line, Bloomingdale's, Macy's Premier Elite, Amazon Store Card, Lord & Taylor, Nordstrom, Discover It, Gold Delta SkyMiles from American Express, PayPal BML.

SnackTrader · ‎02-07-2013

Pulled EX for me also. My credit report has addresses in multiple states, so I don't know if state mattered or not.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015

SFernandez13461 · ‎02-07-2013

They pulled EQ for me and DH. We're in CA.

EX 695, EQ 703, TU 681 (1/17)

WallyxD · ‎02-07-2013

Okay thank you guys. Both EQ and EX are good. As long as it's not TU, then I should be good. Does anyone know why they ask if we have an outstanding balance? haha

rudy0720 · ‎02-07-2013

EQ for me here in KY

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K

snowkitty · ‎02-07-2013

Experian for me in NC