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Valued Contributor
Dustink
Posts: 2,384
Registered: ‎10-02-2012

Re: Does Citi give second chances?

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‎11-07-2012 11:57 PM

I have read that Citi never 4gets if you discharge one of their accounts in a BK, but you might have a shot since you did pay them back eventually.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Message 11 of 14 (119 Views)
 
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Established Contributor
j_casteel
Posts: 1,011
Registered: ‎06-21-2012

Re: Does Citi give second chances?

[ Edited ]
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‎11-08-2012 12:02 AM - edited ‎11-08-2012 12:03 AM

Dustink wrote:

I have read that Citi never 4gets if you discharge one of their accounts in a BK, but you might have a shot since you did pay them back eventually.

I never had a BK. Just let some of my cards become past due then after they were closed I decided to call them back and settle with them. I opened the cards back in early 2006 then let my  irresponsibility get the best of me going 6-7 months without making payments. Then I contacted them in early 2007 and paid them off. They are just paid/closed CO's which will be coming off my report in about 1.5yrs.

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1k | NFCU Visa Sig $10k | NavChek $15k | NFCU Platinum MC $2k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700
Proud to say that ALL past due debt has been paid and I never declared BK!!
Message 12 of 14 (116 Views)
 
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Valued Contributor
Dustink
Posts: 2,384
Registered: ‎10-02-2012

Re: Does Citi give second chances?

[ Edited ]
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‎11-08-2012 12:05 AM - edited ‎11-08-2012 12:05 AM

They may want your business again after they come off your CR's

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Message 13 of 14 (113 Views)
 
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Established Contributor
j_casteel
Posts: 1,011
Registered: ‎06-21-2012

Re: Does Citi give second chances?

[ Edited ]
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‎11-08-2012 12:09 AM - edited ‎11-08-2012 12:09 AM

Dustink wrote:

They may want your business again after they come off your CR's

unfortunately, that's what i was thinking as well.

 

guess, i'll just try 4 the Lowe's card early next year after my other GE cards have had some time to age.

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1k | NFCU Visa Sig $10k | NavChek $15k | NFCU Platinum MC $2k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700
Proud to say that ALL past due debt has been paid and I never declared BK!!
Message 14 of 14 (110 Views)
 
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