How long do CCC's keep info on apps?

[Anonymous]

I applied for a Citi Business  card last fall but never replied to their offer of approval, as I accepted a different card instead. My credit is about the same, but my income has increased substantially. I guess I'm leary about entering all the same info as before and then putting in my new income and being seen as questionable. Any suggestions or experience???

[Anonymous]

Sounds like an issue that could easily be fixed on recon if you got denied but I'd be more proactive-the day after you apply, call up the recon number and talk to someone. I had my app flagged by chase yesterday because I was 29, employed 2 years at current employer but reporting high income. I explained that I had 6 years in the industry and a degree and poof-approved.

[Anonymous]

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jandy1 wrote:

I applied for a Citi Business  card last fall but never replied to their offer of approval, as I accepted a different card instead. My credit is about the same, but my income has increased substantially. I guess I'm leary about entering all the same info as before and then putting in my new income and being seen as questionable. Any suggestions or experience???

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Just be honest.

[Anonymous]

How is Citi on recent inquiries? I've only got 2 in the last 6 mo, both from local banks for business purposes, but quite a few in the last 12, almost all for business purposes, never-the-less they still show.

Anybodu know who they pull in Georgia?

[Anonymous]

I think you will be fine with 2.

Usually EQ in GA but they have been pulling EX lately. (I'm in Louisiana)

[Anonymous]

Score wise I think I'm good either way, unless 740 is a cutoff score. My EQ is 735, my EX is 740. Hopefully they won't do a changeup and pull TU, it's a 717.

[Anonymous]

There's actually another outfit that keeps track only of info on credit card apps, and some of the major CCCs are using it. The name doesn't spring to mind right now. I just remember reading about it. I think I read BoA uses it to some extent.

But like others said, if you're honest and can prove your app figures, you're good.

[Anonymous]

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MisterTor wrote:
There's actually another outfit that keeps track only of info on credit card apps, and some of the major CCCs are using it. The name doesn't spring to mind right now. I just remember reading about it. I think I read BoA uses it to some extent.

But like others said, if you're honest and can prove your app figures, you're good.

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Innovis is the 4th CRA and yes, BoA uses them.

[Anonymous]

Innovus??? Oh please do tell! Do I have a fourth score out there somewhere?

[Anonymous]

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jandy1 wrote:

Innovus??? Oh please do tell! Do I have a fourth score out there somewhere?

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http://www.innovis.com/pers_personalServices.html

Lender's don't usually use this, BTW. Not for score's anyway.