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I for one am looking forward to the explanation. 
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beardoc said:* The first access in May 2007 was Citibank's Business/Sales section looking to see whether they should target me for additional services or offers (which would involve further credit approval. Perhaps they were running offering things "pre-approved" - I am hypothesising that "pre-approval" might induce people to be more likely to sign up.
beardoc said:* The second access in June 2007 was Citibank's Risk Assessment arm, checking to see whether I had any defaults or otherwise which they were unaware of.
oz_mark said:So did you get any 'pre-approved' offers?
None of these things has ever turned up on my credit file, so I wonder if they just randomly pick customers...
I definately think its in regards to marketing because since Baycorp got taken over by Veda, Veda Advantage have gone out and been touting to was peoples databases with credit files and things like that. This improves marketers response rates and decreases the costs of banks to market to people.