Citi's internal scoring system 1 to 2500?

[Caught750]

---

@firefox100 wrote:

Ok last nomth ask for cli on Double cash back mastercard got the letter said soft pull from TU , reasons, did not score high enough on our internal model, to many inquiries , balances to high on to many accounts. This is totaly wrong Tu shows 2 inquires in the last 2 years Only 2 cards showing any balance lesless then 1,100 dollars. My fico scores are over 800, I think Citi is just cutting back on how much credit they are will to lend at this time. The credit line was 15.6K This was first time that Citi denied credit increase to me in the 5 years.

---

I'm leaning more towards this.  Citi has liked my profile in the past but has been conservative lately with the reason of "too many recent accounts", which is certainly true but not new 🤣

[Anonymous]

Made a different thread about this yesterday before getting a link to this thread. But I had the same issue happen last month(finally got the letter yesterday). Citi said my score was 777/2500 which wasn't high enough. Odd thing is , 777 is my actual TU Fico score.

They also used several denial reasons that weren't true, including delinquencies(I don't have any) as well as saying something about my mortgage(I've never had a mortgage). Either I have a split TU file, or they are just giving straight up lies as denial reasons. I'm going to pull my yearly free credit reports as well as call Citi & see what they say.