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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Does Citi give second chances?

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    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
j_casteel
Posts: 1,691
Registered: ‎06-21-2012

Re: Does Citi give second chances?

[ Edited ]

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.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
across the board
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Does Citi give second chances?

[ Edited ]

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    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
j_casteel
Posts: 1,691
Registered: ‎06-21-2012

Re: Does Citi give second chances?

[ Edited ]

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.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
across the board

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