07-08-2009 06:30 PM
07-08-2009 06:36 PM
In my case, they pulled Experian to approve me of Advantage Mastercard.My EQ and TU FICO's were 650 ish and EX FAKO :670 with some baddies from 2005(late payments) and one collection paid off.
07-08-2009 06:46 PM - edited 07-09-2009 04:35 AM
they pulled EX for me but may also pull EQ. i'd wait 3 mos+ of more good history, you'll have better scores and may be approved for better CL if you wait. otherwise, it looks like maybe 50/50 at best is my guess. if you can power through with other variables that are sometimes weighted heavily like income, time at employ, residence ('application score')- perhaps... if you want to take a shot- gl but recent co may be a deal breaker especially in connection with the other neg info on your cbr listed in OP.
07-09-2009 12:58 AM - edited 07-09-2009 01:09 AM
07-09-2009 03:00 AM
Im not sure where you live, but anytime Ive ever applied for anything Citi backed, Its always been an experian pull. Ive applied for citi-backed cards in Pennsylvania, Washington DC, and New York - all experian pulls. However, I dont actually own a citi credit card, just citi-backed credit cards (ie: Shell gas, Sears, BP back when it wasnt chase, etc)
Ive heard, however, that they do not like any recent derog's, I know a few months back my sister was denied for a citi credit card for 1 30 day late payment 8 months before application, and other than that, she has perfect credit history, it was just an oversight on her part which caused the late payment.
Good Luck! Let us know how it goes.
07-09-2009 04:26 AM
07-09-2009 10:50 AM
I agree with Score_building above...wait a bit. I think you need at least 680ish score for approval right now.
They approved me in March for $4K with a 750 score on EX. Totally clean CR, 20% UT, 6.5 yr. AAofAs, and oldest acct. at 17 yrs.
07-09-2009 11:46 AM - edited 07-09-2009 11:53 AM
Ok, I'm not sure if this is something you'd be interested in or not, but saw this thread yesterday and thought I'd mention it just in case. The OP on the thread was recently approved for an AMEX Skymiles card with all scores at 630 and below. Thought you might want to check it out if you were interested in some other card besides Citi. I have no idea what is on her/his credit report other than the scores.
ETA...BIG OOOPS!!! I just checked the thread above and the date on OP was 7/8/2007 not 7/8/2009 as I thought...I appologize. AMEX may very well have totally different approval standards now.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.