Good sign or Bad sign

belvictoria · ‎07-15-2014

I applied for a Citi Card..

I was declined and thought I'd call for a recon

I spoke to someone that asked about information that showed up on my Ex Credit Report

He said, "your report shows that you were 90 days late on an account"

I said, "I'm not sure about that, the only thing I can think of is my students loans from '09" and I explained that I thought my student loans were still in deferment at the time but now they are in good standing, he said okay I'm going to say (he rewrote it to sound nice).

Then he said he was going to have someone look at it again and they would let me know in 2 days.

Any thoughts?...feeling like it might be a bad sign because if it was okay they would have placed me on hold then approved..IDK maybe I'm over thinking it.

-Wade- · ‎07-15-2014

@belvictoria wrote:
I applied for a Citi Card..
I was declined and thought I'd call for a recon
I spoke to someone that asked about information that showed up on my Ex Credit Report
He said, "your report shows that you were 90 days late on an account"
I said, "I'm not sure about that, the only thing I can think of is my students loans from '09" and I explained that I thought my student loans were still in deferment at the time but now they are in good standing, he said okay I'm going to say (he rewrote it to sound nice).

Then he said he was going to have someone look at it again and they would let me know in 2 days.

Any thoughts?...feeling like it might be a bad sign because if it was okay they would have placed me on hold then approved..IDK maybe I'm over thinking it.

I wouldn't say it's a bad sign and you still may have a chance Good luck to you

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RushXTC · ‎07-15-2014

@-Wade- wrote:
@belvictoria wrote:
I applied for a Citi Card..
I was declined and thought I'd call for a recon
I spoke to someone that asked about information that showed up on my Ex Credit Report
He said, "your report shows that you were 90 days late on an account"
I said, "I'm not sure about that, the only thing I can think of is my students loans from '09" and I explained that I thought my student loans were still in deferment at the time but now they are in good standing, he said okay I'm going to say (he rewrote it to sound nice).

Then he said he was going to have someone look at it again and they would let me know in 2 days.

Any thoughts?...feeling like it might be a bad sign because if it was okay they would have placed me on hold then approved..IDK maybe I'm over thinking it.

I wouldn't say it's a bad sign and you still may have a chance Good luck to you

^

Only time can tell, Good luck!