09-17-2012 03:30 PM
09-17-2012 03:42 PM
09-17-2012 08:53 PM
Citi Forward is the card I need to get now b/c they've denied me 3 times. LMAO. 4th a charm maybe? I'll wait until my UTL is down and a few more months before trying again.
09-17-2012 10:19 PM
09-18-2012 04:12 AM
I also gave into temptation yet again or the 2nd time around. Last year I got denied for this card due to lack of credit history. This year I applied for the Citi Forward again and got shot down for a different reason "too many inquires on my credit report" "too many new accounts opened in the last 6 months" I think ill back off and garden for a while as my new inquires cool off.
I'm definitely going to wait longer than the 3 months she said. I need to be in the garden for a while. All my cards have been opened within a month and there are a few extra inquiries from apps that were denied. I got bummed out about getting denied and then I saw posts yesterday about people getting cards taken away from opening too much at one time so I may never want to leave the garden again....lol
09-18-2012 06:00 AM
Research and patience are key. Each new inquiry and new account can not only add to a denial but also a denial of credit increases. When in the rebuilding stage, cli are key to getting out of the toy limits. A bunch of low limit cards will never feel as good as good limit primes.
09-18-2012 06:47 AM
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.