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Author Topic: Using citi identity monitor how can i tell which pulls are hard/soft?  (Read 4410 times)

Offline Yellow

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Using citi identity monitor how can i tell which pulls are hard/soft?
« on: April 29, 2011, 04:00:42 PM »
It appears that AMEX has inquired 5 times to my experian report, however my only application recently was for the platinum. This is perturbing, and i'm HOPING these are soft just pulls.
otherwise  :'(

 On the CR it just says: "Unknown - Credit Extension, Review, Or Collection"
« Last Edit: April 29, 2011, 04:05:18 PM by PC »
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Offline myb821

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #1 on: April 29, 2011, 04:01:58 PM »
those are all hard pulls look at the dates on the pulls
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Offline Yellow

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #2 on: April 29, 2011, 04:03:37 PM »
Quote from: myb821 on April 29, 2011, 04:01:58 PM
those are all hard pulls look at the dates on the pulls
I did and NONE of them make any sense
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Offline myb821

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #3 on: April 29, 2011, 04:04:23 PM »
Quote from: PC on April 29, 2011, 04:03:37 PM
I did and NONE of them make any sense
well then maybe its fraud
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Offline smurf

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #4 on: April 29, 2011, 04:28:05 PM »
have you applied for a cl increase? although thats normally a soft pull a csr told me that there are instances were a hard pull is required
although that probably wouldn't explain 5 pulls
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Offline Cholentfresser

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #5 on: April 29, 2011, 04:59:38 PM »
you can dispute them.
I'm not sure what exactly u need to do, but I think u need to request the report from experian, and then dispute it.
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Offline smurf

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #6 on: April 29, 2011, 05:04:27 PM »
Quote from: Cholentfresser on April 29, 2011, 04:59:38 PM
you can dispute them.
I'm not sure what exactly u need to do, but I think u need to request the report from experian, and then dispute it.
I've disputed accounts before but not applications.You call them up and tell them the item you want to dispute and why and they'll investigate.
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Offline Yellow

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #7 on: April 29, 2011, 06:00:27 PM »
question: Are citi's scores fako or fico? I always thought they were fako, but when i called they kept saying the scores were fico?
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Offline Dan

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #8 on: April 29, 2011, 06:08:33 PM »
fako
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Offline smurf

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #9 on: April 29, 2011, 07:08:15 PM »
Quote from: Dan on April 29, 2011, 06:08:33 PM
fako
how accurate are they though?the score they gave me was very close to the one i got from myfico
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Offline AsherO

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #10 on: April 30, 2011, 10:01:46 PM »
Quote from: smurf link=topic=7011.msg79959#msg79959 date304118495
how accurate are they though?the score they gave me was very close to the one i got from myfico

It's a simulation, I guess it's more accurate for some then for others.
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Offline myb821

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #11 on: April 30, 2011, 10:02:07 PM »
Quote from: AsherO on April 30, 2011, 10:01:46 PM
It's a simulation, I guess it's more accurate for some then for others.
mine was way off
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Offline Yellow

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #12 on: February 10, 2012, 12:01:01 PM »
Interesting thing i noticed today- I looked at my FAKO score in CIM and i see that my experian score went down 20 points, and now is "fair" instead of "good". The thing is that I froze my experian CR about two months ago. (so there is no reason things should have changed-especially so drastically)
Any meaning to this? (does freezing bring down credit score?) Or is citi's fako algorithims just way off (I know it's FAKO, but this seems like a lot)
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Offline HelpMe

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #13 on: February 10, 2012, 12:02:48 PM »
Quote from: Yellow on February 10, 2012, 12:01:01 PM
Interesting thing i noticed today- I looked at my FAKO score in CIM and i see that my experian score went down 20 points, and now is "fair" instead of "good". The thing is that I froze my experian CR about two months ago. (so there is no reason things should have changed-especially so drastically)Any meaning to this? (does freezing bring down credit score?) Or is citi's fako algorithims just way off
Your CR still updates with a freeze on.
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Offline Saver2000

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #14 on: February 10, 2012, 12:04:22 PM »
Quote from: HelpMe on February 10, 2012, 12:02:48 PM
Your CR still updates with a freeze on.

+1

@yellow
Did you recently make a late payment?
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Offline Yellow

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #15 on: February 10, 2012, 12:07:21 PM »
Quote from: Saver2000 on February 10, 2012, 12:04:22 PM
+1

@yellow
Did you recently make a late payment?
Doesn't look that way. I just quickly scanned my CR, and all the dots were green (indicating on time payment)
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Offline HelpMe

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #16 on: February 10, 2012, 12:10:43 PM »
Quote from: Yellow on February 10, 2012, 12:07:21 PM
Doesn't look that way. I just quickly scanned my CR, and all the dots were green (indicating on time payment)
Open any new accounts recently or increase in balances?
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Offline Saver2000

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Re: Using citi identity monitor how can i tell which pulls are hard/soft?
« Reply #17 on: February 10, 2012, 12:11:23 PM »
Quote from: Yellow on February 10, 2012, 12:07:21 PM
Doesn't look that way. I just quickly scanned my CR, and all the dots were green (indicating on time payment)

It could have been from a number of things.
Did your utilization ratio recently change?  Did you recently open new accounts causing your average age to go down?
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