10-17-2012 09:29 AM
In August, I got one of those pre-selected applications in the mail and I pulled the trigger. Unfortunately, I was declined. A month later, I got another pre-selected app in the mail and thought -- **bleep**!~
The reasons they declined me were for 2 items listed:
Your credit report shows one or more accounts recently past due
Your credit report shows insufficient credit lines.
The recently past due account was a charge off from 4/2004 and reaged to 11/2005 -- after being sold to another creditor. It finally fell off Oct 3rd, leaving me with a clean slate of credit . Also, I was quite surprised when they listed my credit score -- 0521 -- saying credit scores range from a low of 400 to a high of 999. I knew it wasn't that low, but I wasn't interested in reconning, since Citi has always declined me, even for a student card.
Fast forward to last night, Citibank called again. The first time they called, I didn't answer since I didn't recognize the number. I looked up the # on the internet and found out it was Citibank, so when they called last night -- I made sure to pick it up.
I was quite surprised that they only verified it was me and acknowledged that I had applied for a Citi Diamond Pref MC back in August. They informed me that they used the wrong credit criteria for my application and when they used the right information, they said I was approved and asked me if I still wanted the card? I thought about it for a brief second and said ok, since my AAOA is slowly creeping downwards after opening too many cards this year. I think my AAOA is 3.5 years now, instead of the 7-8 years it was before I started apping. Oh hum, off to the garden I go -- I have enough good credit now and its time to age them all!!!
10-17-2012 09:47 AM
Is there a way to lengthen my AAOA, if I'm added to a friends credit card as an AU???? I will certainly find out, as I had a buddy put me on his BofA signature card that has a credit limit of $25,000.00 with no balance and a length of 10 years.
10-17-2012 03:30 PM
10-17-2012 05:11 PM
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.