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yourguide

Applying for Citi cards or CLIs? Heads up!

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I just got a second premier pass for business 2 days ago.

 

They have ALWAYS pulled TU for me for apps and when I took some hards for CLIs.

 

This morning I check TC...they pulled EQ. Lucky for me I had EX on deep freeze, as they might have pulled that.

 

Anyway heads up. If Citi always pulls a certain bureau for you, lock down your EX just in case they changed you up as well.

 

I am in NY.

Edited by yourguide

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Yep, after apping with Citi a good 6 times they pulled TU everytime.

 

 

Last week they tried to pull EQ.. It was locked!

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My understanding is that existing creditors can still pull your report even if it's frozen, so a freeze will not affect a CLI request.

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Always EX for me. You guys complaining about TU and EQ pulls? I only wish. :P

 

Not complaining, just warning...my reports are clean across the board but there are some who may have a clean TU and EX but a shady EQ...which could lead to AA if looking for a CLI.

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My understanding is that existing creditors can still pull your report even if it's frozen, so a freeze will not affect a CLI request.

That is proven wrong.. when freeze in place, they could not pull a Hard for CLI too..

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