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Established Contributor
Posts: 645
Registered: ‎10-24-2007
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Re: Chances with Citibank??


Mank wrote:

lol, things in 2007 were so much easier! But I really appreciate it Vegas, above and beyond :smileyhappy:


Were they ever!!!  Pretty sure those days are gone forever now...or at least for a long time!

 

And you're so welcome...

Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
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Re: Chances with Citibank??

Citi pulled my EQ report and granted me credit.  If your score is below 700 with the charge off you may not get appprove.  Let me know how it turns out.
Established Contributor
Posts: 932
Registered: ‎08-17-2007
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Re: Chances with Citibank??


Mank wrote:
I've heard Citi pulls Equifax, is this true? I have a 650ish score right now, a collection from 2004, a BOA charge off from 2007 and derog student loans from 2002. Everything is paid in full and closed. I also have a secured BOA card, Cabela's unsecured Visa, open car loan, and closed car loan that are all in perfect standing. What do you think my chances of approval are?

I was recently denied for Citi Diamond Preferred because of a 6 yr old CO. :smileysad: Tried a recon and very nice analyst even went "up the chain" but said with the CO they would not be able to grant me the card, but to try again when it dropped off.

 

EQ score was 690 and my only other baddie is a paid(04-04)  $518  1998 state tax lien PR which the analyst said  was not a problem at all since it was old and paid.  Utilization is around 20% and again analyst said that was not the problem; the CO was the reason for the denial.

 

I tend to think your  recent CO would be a problem, but as always YMMV.

 

FICOS: TU 732(7-18-14) EQ '08 734( 7-23-14) EX 727 (7-23-14)


Frequent Contributor
Posts: 414
Registered: ‎11-30-2008
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Re: Chances with Citibank??

DI, where are you located? Rom, did they pull Equifax or Experian for your app?
Established Contributor
Posts: 932
Registered: ‎08-17-2007
0

Re: Chances with Citibank??


Mank wrote:
DI, where are you located? Rom, did they pull Equifax or Experian for your app?

Pulled EX for me (in Georgia)....surprised me a little cuz when DH got his CitiPlat 1 1/2 yrs ago they pulled EQ.

 

My EX score should be about on par w/current TU score...they usually were 'neck and neck" back when we could actually get an EX score!

FICOS: TU 732(7-18-14) EQ '08 734( 7-23-14) EX 727 (7-23-14)


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