Sorry to be the bearer of bad news, TT, but Citi does not have a reputation of being BK-friendly.
Also, some creditors "blacklist" former customers with derogatory accounts with them so just because the discharged account no longer shows on your reports doesn't mean that the creditor doesn't still have a record of the account.
Keep working on getting baddies off your reports and keeping your UTL low. Also, continue to pay everything on time. Before you know it prime lenders will be knocking down your door.
Good luck!!
Message Edited by lurknomore on
06-04-2008 10:31 AM