Credit Card Center Advertiser Disclosure

New Member
Posts: 2
Registered: ‎02-12-2008
0 Kudos

Good scores, why no credit?

I would like to apply for new credit cards or store charge accounts but I got denied by Chase so now I am nervous.
TU/EQ/EX are 749/704/689.
I have two open credit cards, Cap One at $1500 and a really annoying Orchard Bank at $300.  Both are $0 balances and I also have a Macy's at $1500 ($0 balance) and a Toyota motor loan with an outstanding balance of $2800.
I had bunch of accounts in charge-off that I got recalled about 2 years ago and now are paid off as of January.  The one problem was with a Citibank acount that was NOT properlly recalled and kept showing a late balance which I finally just paid off in January when I paid off everything else.  I even tried to show them that the other Citibank card I had was recalled correctly and they don't care.
Here's the kicker, I now have two years of late payments on that sh*ty Citibank card because I didn't know that they would keep reporting late payments when there was an overdue balance. EVEN THOUGH I PAID ON TIME FOR 2+ YEARS.  I've called numerous times to explain and they simply won't fix it.  I've sent 5 rounds of correction letters to all three bureaus (Dec-May) and they fix it one month and then Citibank reports it late again and it pops back on.  This is the only thing that is trashing my credit report.  I even started getting letters back from the CBs telling me to stop writing in about this issue.  The balance on that account has been $0 for at least 5-6 months now. 
1) How long will it take for Citibank to stop reporting once an account is closed?  I will write the 3 CBs again to try and get it removed and I'm hoping Citibank will "forget" to respond
2) What cards can I apply for that only look at the credit score and not the actual report.  My scores seem to be pretty good.
* My husband and I have also just bought a house and now we will have a $350K mortgage on our report probably starting in August.
Epic Contributor
Posts: 29,450
Registered: ‎10-23-2007
0 Kudos

Re: Good scores, why no credit?

all credit cards are going to use a formula that is score plus stuff in reports auto by computer.  You can apply then call the back door number and try a human that you can expain stuff to and they might over ride. I would start with your decline chase and see what they say.
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0 Kudos

Re: Good scores, why no credit?

Congrats on the house!
Here we go again...

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.