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What does "credit is restricted" mean?

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What does "credit is restricted" mean?

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Old Dec 5, 2008 | 9:01 pm
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What does "credit is restricted" mean?
My mom got rejected for a credit card by Citi recently and they claimed the above, what does it mean?
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Old Mar 5, 2009 | 3:44 pm
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bump..
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Old Mar 5, 2009 | 6:42 pm
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Have her call CITI and find out.
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Old Mar 6, 2009 | 8:24 am
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She is also eligible for a free copy of the credit report that they based the decision on. Make sure she requests it
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Old Apr 1, 2009 | 7:19 pm
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Originally Posted by UA Fan
My mom got rejected for a credit card by Citi recently and they claimed the above, what does it mean?
Did she by chance put a restriction on her credit file?
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Old Apr 1, 2009 | 9:46 pm
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Originally Posted by danville 1K
Did she by chance put a restriction on her credit file?
wht do you mean?
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Old Apr 1, 2009 | 11:00 pm
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Originally Posted by UA Fan
wht do you mean?
You can restrict your credit file so no one can pull a credit report on you. If you purchase something you have to give authorization for them to pull your report.
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Old Apr 2, 2009 | 7:22 am
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Originally Posted by danville 1K
You can restrict your credit file so no one can pull a credit report on you. If you purchase something you have to give authorization for them to pull your report.
I have been managing her credit and I don't recall ever doing something like that. Can the credit agencies do something like this by themselves?

I checked her credit report from truecredit and she has scores of 754-786 over the three bureaus. I can't figure out why even Chase refused a checking account for her.
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Old Apr 2, 2009 | 4:00 pm
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I had something similar before. I was told I had another CC (citi or none-citi) that already has a large balance/utilization or I was approaching total citi limit. In my case I had a large balance on a BAC card.
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Old Apr 2, 2009 | 8:04 pm
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Originally Posted by UA Fan
I have been managing her credit and I don't recall ever doing something like that. Can the credit agencies do something like this by themselves?
No, you have to specifically request it from the credit bureaus.
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Old Apr 2, 2009 | 8:08 pm
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Originally Posted by UA Fan
I checked her credit report from truecredit and she has scores of 754-786 over the three bureaus. I can't figure out why even Chase refused a checking account for her.
Don't checking accounts work off a different system? I've opened many checking accounts and none show pulls on my credit report, but they do pull something.
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Old Apr 3, 2009 | 2:57 am
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Citi is such a dweeb... they have some messed up computer programs that suddenly tell them someone is about to default.... then they pull all ure credit etc.... But now AMEX is following their lead so all of the cc have gone crazy lately...
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Old Apr 3, 2009 | 5:26 am
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Originally Posted by gj83
Don't checking accounts work off a different system? I've opened many checking accounts and none show pulls on my credit report, but they do pull something.
Correct. It's called Chex Systems. She can pull a report on herself for free once a year, just like with the big three CRAs. Check out www.consumerdebit.com.

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Old Apr 3, 2009 | 6:15 am
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Originally Posted by UA Fan
My mom got rejected for a credit card by Citi recently and they claimed the above, what does it mean?
Sounds like her credit report with one of the bureaus may be "frozen". If she did not request it, did she sin up for lifelock?

When you freeze it, you're given a pin to unlock it, which you can provide to a creditor to access your file.

In any event, I'd call Citi to get more detail.

http://consumerist.com/consumer/iden...ort-319352.php
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Old Apr 3, 2009 | 10:28 am
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Originally Posted by gj83
Don't checking accounts work off a different system? I've opened many checking accounts and none show pulls on my credit report, but they do pull something.
Originally Posted by ivk5
Correct. It's called Chex Systems. She can pull a report on herself for free once a year, just like with the big three CRAs. Check out www.consumerdebit.com.

ivk5
It depends on banks. I had Wachovia pulled credit reports on us when opening a checking account. I had Capital One and Countrywide both pulled credit reports when opening CDs!
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