11-24-2010 11:17 AM
I just applied for a citi forward card. I got the 7 to 10 day waiting message. Should I assume that I will be declined?
11-24-2010 11:37 AM
Assuming is never a good thing to do.
People have been approved with the 7-10 day and others have been denied with the 7-10 day notice. Check your application status online if you can, if not call in and check your application status.
11-24-2010 12:06 PM - edited 11-24-2010 12:09 PM
It was declined, due to one baddie on my EQ UGH!!! I feel like I am going to be stuck with these rebuilder cards forever. This is so frustrating. I have to keep paying af's even after my reports have come so far.
11-24-2010 12:17 PM
11-24-2010 12:27 PM
Sorry you were denied.
What CC's do you have now?
Secured or unsecured?
CL on the cards?
UTIL on the cards?
Date opened the cards?
INQ's on reports in last 12 months?
What negatives are reporting?
11-24-2010 12:39 PM
Well right now I have:
Orchard mastercard 0$/1600 opened in 2005
Orchard visacard (showing $340/1500) but it has been paid in full, waiting for it to update. Opened in 2007
Macy's charge card $0 opened in 2000
Amex zync $0 opened in march of 2010
Capital one $16/ 1050( paid, waiting for it to update) opened 2007
3 Inquiries- two that will be a yr in dec, and the other one in march
1 Negative- Capital 1( and old account. One 30day from june 2004)
11-24-2010 12:50 PM
IMO your credit profile does not look bad at all.
One 30 day late 6 years ago I wouldn't think would have such a negative impact under manual review.
Did you just check your application status when you called or did you attempt a recon also? (Recon will get a manual review, instead of computer generated)
Is the late showing on all 3 CR's or just EQ?
11-24-2010 12:59 PM
I just checked the status. The number listed in the backdoor thread didn't say recon. Do I just call and say I would like a recon? It is showing on all three, but she said they pulled EQ
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