Posted by William Charles on September 8, 2016
Credit Cards

Published on September 8th, 2016 | by William Charles

56

What Credit Bureau Does Citibank Pull?

Introduction

In this post we will look at what credit bureau Citibank pulls for credit card applications. We’re only going to look at data from 2014 onwards that is listed on the creditboards credit pulls database.

You can also read other posts in this series by clicking below:

Table Key & Combined Stats

To keep things easy, we will use the following acronyms.

EX = Experian
EQ = Equifax
TU = TransUnion
NI = No information

The number next to the acronym represents the number of data points we have. In total we have 458 data points sourced from the Credit Boards Credit Pull page. Of those applications:

  • 241 or ~52.62% of all applications pulled an Experian credit report
  • 175 or ~38.21%  of all applications pulled an Equifax credit report
  • 42 or ~9.17% of all applications pulled an TransUnion credit report
AbbrevationState NameCredit Bureau Pulled
ALAlabama EQ: 1
AKAlaska NI
AZArizona EX: 3 EQ: 3 TU: 1
ARArkansas TU: 3
CACalifornia (CA) EX: 48 EQ: 16 TU: 6
COColorado EX: 2 EQ: 1
CTConnecticut EX: 3 EQ: 6 TU: 1
DEDelaware EX: 3 EQ: 5
FLFlorida EX: 17 EQ: 14 TU: 1
GAGeorgia EX: 7 EQ: 3
HIHawaii EQ: 3
IDIdaho EX: 1
ILIllinois EX: 10 EQ: 13 TU: 1
INIndiana EX: 3 TU: 1
IAIowa EX: 2
KSKansas NI
KYKentucky EX: 4 EQ: 4
LALouisiana EQ: 1 TU: 2
MEMaine EQ: 1 TU: 1
MDMaryland EX: 7 EQ: 3
MAMassachusetts EX: 4 EQ: 3
MIMichigan EX: 10 EQ: 7 TU: 1
MNMinnesota EX: 1 EQ: 3
MSMississippi NI
MOMissouri EX: 2 EQ: 1 TU: 1
MTMontana EQ: 1
NENebraska NI
NVNevada EX: 3 EQ: 3
NHNew Hampshire EX: 2 EQ: 4
NJNew Jersey EX: 4 EQ: 1 TU: 1
NMNew Mexico EX: 1
NYNew York EX: 18 EQ: 14 TU: 8
NCNorth Carolina EX: 12 EQ: 13 TU: 2
NDNorth Dakota NI
OHOhio EX: 6
OKOklahoma EX: 2 EQ: 4
OROregon EX: 7 EQ: 3 TU: 1
PAPennsylvania EX: 22 EQ: 2 TU: 5
RIRhode Island NI
SCSouth Carolina EQ: 1
SDSouth Dakota EX: 2 EQ: 1 TU: 1
TNTennessee EX: 2 EQ: 6 TU: 1
TXTexas EX: 32 EQ: 10 TU: 2
UTUtah TU: 2
VTVermont NI
VAVirginia EX: 5 EQ: 7 TU: 1
WAWashington EX: 8 EQ: 7 TU: 4
WVWest Virginia NI
WIWisconsin EX: 3
WYWyoming NI
DCDistrict Of Colombia EX: 3

What Happens If Your Report Is Frozen?

If you have a frozen report with Citibank, they are unwilling to pull a different report unless that report is Experian. You can give them a PIN to access the report they want to pull, allowing you to keep that report frozen.

Our Verdict

Citibank will mostly use your Experian report – with Equifax also being quite likely. In rare cases they will pull your TransUnion report instead.



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P
P

I’m in Hawaii and I’ve applied for two citi cards 4/2015 Hilton Visa and 10/2015 AA and both times they pulled experian in addition to Equifax.

leo
leo

I was denied recently due to “too many pulls on report”. They pulled Exp. Can I ask them to pull EQ instead?

John
John

I have had about a dozen Citi cards and they always pulled BOTH experian and equifax. I am in Maryland.

Gary
Gary

They often double pull (for example; EX and EQ for NY, but with EX frozen it’s fine, and they’ll even auto approve).

M
M

Thanks for this datapoint, exactly what I was looking for!

duffman
duffman

how do you know which bureau was pulled? For eg. I know Barclay’s generally pulls TU in NY. On Credit Karma, I see Barclay’s on both my TU and EQ reports. Additionally, both show the same list of opened/closed accounts. If they both show the same information, why does it matter which bureau is pulled?

appreciate it if you can help – a bit confused on how to track pulls :?. Thanks

Austin
Austin

Hard Pulls appear on any of the 3 bureaus Transunion, Equafax, and Experian if a creditor examines it to grant credit. Too many pulls on whatever bureau or bureaus a specific bank examines could cause you to be denied credit. People generally try to spread pulls between the 3 bureaus to increase the chances of approval.

Austin
Austin

You can track hard pulls for Transunion and Equafax on Credit Karma. It’s free no credit card required. For Experian just download the free app. It’s free as well no credit card required.

Ken
Ken

For both of us in CO Citi pulls both EX and EQ for every CC app.

Allen
Allen

DP: August 2016, Southern California, Citi Costco Biz, tried to pull EX but it was frozen. Pulled EQ by request (not frozen) without issue.

Tamara
Tamara

Same here as many others, the day I applied they pulled EQ and got approved the next day EX alerted of another pull. Definitely seems to like to double pull but I wonder is that for everyone or borderline approvals.

John
John

Applied – Pulled EQ (auto approve) with EX & TU frozen. Previously apps had pulled EX only.

Matt P
Matt P

Pulled both EQ and EX for me and my wife here in Florida. Annoying. She got auto-denied and I auto-approved.

Sarah
Sarah

2 TYPs and 1 AAdvantage Platinum Select in AZ = all EX

Frank
Frank

I’m in NM. Applied for the Citi AAdvantage on 2/15 and they pulled EX and EQ. I applied again on 2/23 and they just pulled EQ.

Ken
Ken

Did you freeze EX? I get the same double pulls in CO too.

Frank
Frank

No, I did not.

Aaron
Aaron

Just applied today for Citi AAdvantage, was approved instantly with my experian frozen. They pulled Equifax.

Andy
Andy

What state are you in?

Austin
Austin

I live in Kansas. Double pull Transunion and Experian. Instant approval for Citi double cash card with a 5 figure credit limit. The card was applied for in January 2017.

SIERRAWOLFE
SIERRAWOLFE

Citi® / AAdvantage® Platinum Select® World EliteTM Mastercard®
Pulled Experian with Equifax and Transunion locked down.
Approved instantly online.
I’m in NY.

LC
LC

Kansas DP: Citibank pulls Experian and Equifax for me. This occurs on both personal and business cards

LC
LC

11 times and counting btw

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