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Citi Recon!!

Frequent Contributor

Citi Recon!!

anyone have luck recon with citi they said i have too many inquires 4 WTF! They pulled eq 655

GOAL FOR 2010 Paying Down Debt .........653 EQ 685TU EXP???
Message 1 of 5
4 REPLIES
Regular Contributor

Re: Citi Recon!!


maxima1 wrote:

anyone have luck recon with citi they said i have too many inquires 4 WTF! They pulled eq 655


you have 4 inquires in what time frame? from the past 2 years, within a year? months?

 

I havn't applied with them yet.


Starting Score: 640
Current Score: 744
Goal Score: 800


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Message 2 of 5
Contributor

Re: Citi Recon!!

i got a little happy after being approved by cap one that i applied for a few cards, big mistake in my part!

citi was one of them, denied per too many recent inquiries, im thinking of calling since ive been banking with them since late 07 early 08.

any one think that will make a diff?

Message 3 of 5
Established Contributor

Re: Citi Recon!!


-Furbz- wrote:

i got a little happy after being approved by cap one that i applied for a few cards, big mistake in my part!

citi was one of them, denied per too many recent inquiries, im thinking of calling since ive been banking with them since late 07 early 08.

any one think that will make a diff?


You could probably wait a couple of months and then just reapply.  Usually what happens is if you apply to multiple companies at the same time for a credit card, then the ones that you applied to last will deny you for inquiries.  Reason being is that they cannot see whether or not you received cards from these other companies, and they don't want to be one of many companies giving you credit.  Applying to multiple places at the same time can also be consider desparation to get credit for something that is going on in your life that you may not have "emergency funding" for.  Of course this is different for things such as carloans and mortgages.


Starting Score: Eq: 662 Tu: 532 (03/02/2011) CH7BK 01/12/2009 Discharge
Current Score: Eq: 712 (02/03/2017) Tu: 717 (04/03/2013)
Goal Score: Eq: 760 Tu: 760

Wallet: PenFed Power Cash 25k | AMEX Blue Cash (AU) 49.5k | Cap One QSMC 26.5k | AMEX Platinum NPSL | LFCU Visa 10k
Message 4 of 5
Contributor

Re: Citi Recon!!

i hear you, and by seeking more credit and being denied i most likely hurt my scored -- ouch!!

 

 

Message 5 of 5