But that's what I meant. There seems to be a mythology out there that there's consistency within a state, but in examing my own credit reports, I've found (at least with Citi) that there's not even consistency at the very same street address!

One theory I saw proposed in some thread or other is that Citi buys the license to do these pulls in bulk from the various reporting agencies, and that sometimes they run out of funds in one but have plenty left in one of the others, so temporarily may shift people to another.

So it may be dependent on the phase of the moon!

Having said all that, since "the jig is up" change about a year ago, I have stopped applying for Citi cards on a nearly one/month basis, so no longer have current data on this. My data is from a year or two ago. Still, it's enough to counter the theory that it's always consistent within a state.