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Approved for Citi Simplicity!

Established Contributor

Re: Approved for Citi Simplicity!

Congrats

Established Member

Re: Approved for Citi Simplicity!

Currently at 66% and coming down
Regular Contributor

Re: Approved for Citi Simplicity!

Congrats.... And they can use the same HP for 30 days. So definitely call for a CLI.......
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


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Established Contributor

Re: Approved for Citi Simplicity!

Lower util will be necessary I think for them to increase the limit. Anyways, Congrats!!

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Moderator Emeritus

Re: Approved for Citi Simplicity!

Congrats... Put it in the garden and let it grow!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Valued Contributor

Re: Approved for Citi Simplicity!


Flacimbej131 wrote:

They told me no, too soon asking for that much Smiley Sad I guess I'll have to wait and bring my utilization down.


It has nothing to do with utilization. Citi will not do CLI for the first six months, it is their policy.

 

Valued Member

Re: Approved for Citi Simplicity!

I DID ON EACH OF EVERY CARD THAT I GOT APPROVED FOR. SIT TIGHT AND WAIT SIX MONTHS.

FlipDC
Starting Score: 638 fico eq 7/11
Current Score: 648 fico eq 8/12, 686 fico tu 8/12. 1/13 TU 661
2013 Score: EX 654, EQ 610, TU 625
Goal Score: 740 1/14
In my Wallet: Discover more 4k,Citi plat 5k,Citi simplicity 3k,Citi diamond 1k,Cap1 cash 750/2500,Cap1 plat 750/2500,Kanes Furn, Walmart 900/2200, Macys 600.
Established Member

Re: Approved for Citi Simplicity!

Thanks guys, time to tend the flock!
Established Contributor

Re: Approved for Citi Simplicity!

Dishpro, what do you mean they can use the same hard pull for 30 days?? Meaning, if anything changes on your report within those 30 days, they will be able to see them without another current hard pull? If yes, is that all lenders anyone has appd, but was declined with?
Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Regular Contributor

Re: Approved for Citi Simplicity!

When a lender pulls your credit they have a snapshoot of what your credit looks like for that moment. Lenders purchase these CR's from the CRA's and it is come practice for a lender to keep the CR for 30 days. If you call within the 30 day time period for a CLI they generally will not purchase a new CR they instead will use the latest one for up to 30 days. Any additional CLI requests within the first 30 days are counted as a single CLI. Your next CLI will usually not be allowed for 3 billing statements or more. Of course the downside of a lender using the report for 30 days would be if you have a score increase within the 30 days.
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


Take the FICO Fitness Challenge