Card: CitiAAdvantage Business Visa
Date: Oct 20, 2010.
Location: Southern California
Bureau: Transunion
FICO about 720. Declined due to 9.5 yr old C7 BK. My first decline in several years.

Created an online DB with Google Docs
 

Hi,

I thought a public spreadsheet version of this thread would be hugely valuable so I threw together one using Google. If you fill out the form here: https://spreadsheets.google.com/view...Tk9fNUs2VGc6MQ the data is copied to spreadsheet table which can be viewed in Excel format here: https://spreadsheets.google.com/pub?...=en&output=xls

Please copy the existing post data into it.

Enjoy!

Yes, hard pulls reduce your credit score.

Not necessarily true. I'm in SoCal and I've had three Citi AAdvantage apps in the last three months and all were Experian pulls. Might depend on where in California.

Also in SoCal and Citi pulled Experian for AA Mastercard in July of this year.

May I know how can I freeze Experian? Thanks.

......

http://www.experian.com/consumer/security_freeze.html

I think what you need to do/pay varies by state.

Its silly to replicate here what is already in place (and a lot more extensive) on creditboards.


http://creditboards.com/forums/index...pp=creditpulls

I'm in Southern California

I had the following:

Transunion:
Citibank (Citi Forward) 3/10 and 5/10..I applied twice, the first time I didn't send in the requested information to "prove my identity" or whatever.

Equifax:
Fort Knox Credit Union (declined...no notice) 5/10
Pentagon Federal Credit Union 3/10 (Pen Fed Platinum Rewards Visa)

Experian:
FIA Card Services 3/10 (Fideltiy Amex)
First USA (Chase?) 9/09 (Chase Freedom, done in-branch)

security freezes
 

Does this really work, will freezing Experian cause a creditor to pull from a different agency?

Any problems with doing this?

I have been seemingly barred from getting any more citi cards. I churned a billion of them up til last year. We will see if that changes ever.

But what really bothers me is that there are no true 'scores' anymore. I mean, we all seem to talk in terms of FICO, ie, "what's your score, mine's 778" but even Experian has changed the game with Vantage, and then there are all the online sites that interpolate scores. One can really never know what's real (without paying for it, which I simply will not do unless it's like $1)

That said, My Citi attempts are thru Experian.
I will post more data as other cards I have ordered come thru or not.

:)MM

I'm in northern California.

For AMEX: charge or credit cards, always pull Experian only
For Citi: always pull Equifax only
For Chase: recently Chase pulled both Equifax & Experian for my Continental and Southwest applications. They used to just pull Equifax.

For Barclays, 10/19 applied for US Airways Business($79 annual fee one), pulled all 3 (EQ, EX and TU) on me! Approved after calling credit department (initially declined due to having a Biz card before).

Orlando
 

Application made from my Florida address:

Citibank
AAdvantage Visa Signature card
Orlando, FL
Sept, 2010
Experian

doesn't work
 

I applied for the Citi AA card for the 75,000 miles. Where I am they pull Equifax. Since I had a credit freeze with all the agencies; I tried to unfreeze it. First time doing that and what an issue -- it would not unfreeze over the phone or internet so I had to write in. They told me 4 days after they had unfrozen it and refroze it that they had unfrozen it. They I wrote in for them to unfreeze it entirely and received the form letter telling me to send them everything I had already sent them. With all the issues I tried unfreezing the other two over the internet with no problems. Asked if Citi would use one of the others and they told me no.

I finally found a phone number and talked with someone who unfroze it and I did get the card -- but it appears they choose which agency to work with and will not change.