Is everyone referring to Citi hard pulls, or just hard pulls in general? Because with Citi alone I have at least 1 pull every single month, plus another 1-2 for banking and loan deals I work on. They are hard pulls, but my FICO score is always around 800, so most lenders I deal with could care less what is on the report, let alone the number of pulls. My point is that some people keep saying you are limited to the number of hard pulls, I can say few others run the Citi game as hard as me and I have never run up against this restriction in the past 5 years.

Jim