Credit Card Center Advertiser Disclosure†
11-12-2013 11:53 AM
I applied for the simplicity card and was denied so I called the backdoor number and they asked for a copy of another credit report which I sent (transunion), (they originally pulled experian for me). Needless to say 2 weeks later I get another hard pull for the recon. I want to know has this happened to anyone? I was very surprised.
11-12-2013 11:58 AM
11-12-2013 12:32 PM
Yes this is pretty much in-line with what citi does for reconsiderations. They sometimes pull from all 3 bureaus (again) as well.
Standard re-review process with Citi.
11-12-2013 02:27 PM
thank you so much for the replies because I was going to call someone and go off on them lol.
Did you get approved? Citibank is not known for recon success.
01-06-2014 01:35 PM
01-06-2014 01:57 PM
My experience is right here : http://ficoforums.myfico.com/t5/Credit-Cards/Citi-Recon-Worked-well-sort-off/td-p/2693819
I didnt get the CL I wanted but recon worked without a new PULL
01-06-2014 04:57 PM
Back in November, I appd for a Citibank Simplicity Card, as well as a Citibank Diamond Preferred and was denied for too many inquiries on both. Then I came across the 718 number on the internet for the executive offices and after reading posts here, I was encouraged to go ahead and recon CDP ... and I got a wonderful helpful woman, Jen, on the phone. She came back 48 hours later and patiently & kindly informed me that they would stick to their oriignal denial decision. SO I hung up and let that rest.
Meanwhile, I found the denial letter from the Simplicity card, and called the backdoor number and explained my situation to the rep about too many inquiries, and explained to him what those inquiries were, etc. He said that he would welcome a reconsider if I emailed them a copy of my credit report; no NP would be done. I did that. And 8 days later, I'm notified by the credit monitoring service that an HP has been done by Citibank.
So I called this morning spoke to a rep, and confirmed they pulled the report. But to my astonishment, it wasn't so much about the Hard Inquiries this time, but I was being restricted because of unsettled accounts back in the past. They gave me an 800 number to call, which I did, and those accounts are from two accounts charged off to BK back in 1996.
So I'm not sure, if I should call back, plead my case with them to say it was written off in bankruptcy, or not ... or that I should let sleeping dogs lie.
ANyways, that's my experience with Citibank. The HP was noted this last time ... I've learned here that whenever you want them to reconsider, it's an auto-HP with Citibank. Thanks, apacislvallejo
It sounds like no matter which backdoor you pursue, it's going to be a no-go in either case. I would let time pass and see if the opportunity present itself in the future. It's going to be a YEMV situation for every individual but it sounds like the negative factors would not tilt the approval in your direction at this point.
01-06-2014 06:22 PM
Nope, I didn't get approved. They said I had a negative account on my report ( I was disputing a Verizon account, someone opened on my name but couldn't get to the bottom of it). I tried to explain to them that I got approved for the Diamond Preferred (I think that is what it was) (the same day), so I don't see how I got approved for one and not the other. They weren't having it. Was a little bummed but over it now.
01-06-2014 07:50 PM
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.