I got my Citi Denial today !

[Anonymous]

Every year for 2 years now in the month of January, I app, I chose 3 different lenders based on the report they pull. Citi pulled Experian for me. That report is rather empty, does show old old co's. Will tidy those up since im on a cleaning spree. 

So the reasons for my denial are as follows;

--The consumer reporting agency serving your area has reported only a limited credit history for you.

--A delingquent credit obligation (s), either paid or unpaid, was recorded on your credit beareau report.

Oour credit decision was based.....If your stuff changes apply again....

Does anyone know if I should tidy up for 6 months or 12 months before apping again with Citi ? 

By then I will have two revolving accounts reporting .5 age of accounts. 

Thanks for any suggestions. 

Mailed out 1 TU dispute 

2 Medical collections PFD's ( both total 591 in total if they dont accept my offer of 25% )

2 DV's for 1 account that I do not own that is slaughtering my credit worthiness on TU

1 letter to Clerk of the Court asking for procedures verifying/reporting information to TU

Now Ill start in on the Experian. 

[RyVision]

Based on what little I know of  your file and that it seems you have at least 2 prime cards other than Citi, I'd let Citi go and concentrate on cleaning up the reports, at least until after a house, which appears to be your main goal. Just my 2 cents.

[afbar1114]

let citi go for sure. i apped for them they said no i then apped for amex(NPSL) and chase($500) and bestbuy($1000) and got all 3..edit: o yea and walmart $500

[LS2982]

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@RyVision wrote:

Based on what little I know of  your file and that it seems you have at least 2 prime cards other than Citi, I'd let Citi go and concentrate on cleaning up the reports, at least until after a house, which appears to be your main goal. Just my 2 cents.

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+1

[JusdoNit]

Forget Citi for a while. It will be greater later

[Anonymous]

Ok. Thanks. I wasnt pressd, but in order to determine what would happend I just chose three lenders based on the cra they use.

Thanks guys. I am deep in gardening mode in case any of you were wondering.