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Established Contributor
Posts: 680
Registered: ‎10-02-2007
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Citi AA Amex Recon...

[ Edited ]

 

So applied for Citi AA Amex got declined due to bk on report.  

 

I printed out updated report (20 pages) through creditexpert.com and I sent that with a letter stating I wanted a 1500.00 limit, no more.  

 

The credit report I printed did not show my bk, don't ask me why, and in the bullited points on the last page of the report it stated what is raising your score "no bankruptcy etc" so I flagged that page so they would see it and I said "see here" on a post it

 

Do you think they will go with what I sent them and approve it or do another hard inquiry?

 

Part of me thinks they will do another hard inquiry

 

What do you think?

 

 

Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Citi AA Amex Recon...

From what i hear citi absolutely stinks at recons. They leave wayyy to much decision making to the computers, while leaving the reps virtually powerless to overturn the decision. Maybe you will have better luck but ill bet they are definitely gonna do an additional HP. Good luck though, hopefully they will reconsider your app and approve it.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: Citi AA Amex Recon...

They will do another HP, since it is possible for someone to forge their credit report.

 

However, when faxing a credit report over, use the report that is directly from CRA, not third party like creditexpert.com.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
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Established Contributor
Posts: 680
Registered: ‎10-02-2007
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Re: Citi AA Amex Recon...

 

 

Well I figure if they go with what I sent, I will be golden but if they do another hard pull I might not be so lucky

 

They do say in the denial letter they want the COMPLETE report sent...well I sent ALL 20 pages

 

Why would they ask for the complete thing if they are just gonna do another hard pull?

Established Contributor
Posts: 680
Registered: ‎10-02-2007
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Re: Citi AA Amex Recon...

[ Edited ]

 

So, if they do the hard pull and still see the BK there, I guess I won't get it

 

BUT do they ALWAYS do another hard pull?

 

Is there a chance I could get lucky?

Established Contributor
Posts: 680
Registered: ‎10-02-2007
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Re: Citi AA Amex Recon...

 

I know they make mistakes...they did after all approve me for a Citicard (secured) one month after my bk had been discharged...that was a mistake.

Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: Citi AA Amex Recon...

They want you to fax over the report first because they want a valid reason to HP you again. Pulling a credit report cost them money.

 

They HP you during recon because they want to make sure you aren't sending in a forged credit report.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
Posts: 680
Registered: ‎10-02-2007
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Re: Citi AA Amex Recon...

 

 

Ok I understand that, but I MAILED in (20) pages. 

 

Well, I guess there goes my chances, because for all I know when they HP the bk will be there

 

 

Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Citi AA Amex Recon...

There's always a chance you could still get it. There have been some people that have done what you have and gotten approved. I think your only problem would be is if they do another HP and the BK still shows up. But hopefully they will put serious consideration into the report you sent and meet you in the middle somewhere, even if started with a less than desirable credit limit. Citi is great with SP CLI so i wouldn't even worry about that.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
Posts: 680
Registered: ‎10-02-2007
0

Re: Citi AA Amex Recon...

 

That is true

 

Do you think they accept a credit expert report as a valid report?

 

I did make it extremely clear by stapling the post-it sticking out the last page that shows the bullited point that there are no bk's listed, so it would be easy for them to see that and approve the app

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