Should I call Citi too?

roncgizmo · ‎07-29-2012

I all, I've been out of the credit loop for a few years and I'm working on getting it back.. I had nothing bad in my files but all my good credit is dropping off..

Recently (May 12) I got a card from Cap 1 with a whopping 500 CL. On 7/29 I applied fore a Discover More card. Chase Freedom and a Citi card.. Both told me they only needed to verify my ID

Discover asked for some more info and I called them.. Got a 1500 CL then today I called Chase and got the card with a 1000 CL..

When I called Citi's app line I got a TD but haven't talked to anyone there yet.. Would you all just go for it or what? I don't really need it but if it will

help me boost things up I will..

My CK score was 752 now 747 and CS was 791 not sure yet was it is now.. Started this in May with a 680

Starting Score: 680+-
Current Score: 747 to 791
Goal Score: 800+ for all

Take the FICO Fitness Challenge

5/12 Cap 1 $500 7/12 Chase Freedom $1000 7/12 Discover More $1500

jsickz32 · ‎06-25-2012

In my experiance if not approved instantly with citi they take long to review and give you an answer. It took them 13 days for them to verify my info and approved me. Good luck

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)

dp321 · ‎04-16-2011

In my opinion, use Citi's online CLI every 6 month, enter what you want and take whatever it gives you without HP.

Starting Score: EQ: 703 (4/2011);
Current Score: EQ: 738 (04/2013)

Goal Score: ALL 800

Take the FICO Fitness Challenge

roncgizmo · ‎07-29-2012

Citi is the one that turned me down.. TD.. Sorry I took so long to reply.. I was at work all day.

Starting Score: 680+-
Current Score: 747 to 791
Goal Score: 800+ for all

Take the FICO Fitness Challenge

5/12 Cap 1 $500 7/12 Chase Freedom $1000 7/12 Discover More $1500

roncgizmo · ‎07-29-2012

Anyone know the best recon number to call? I called the AA number but it sounded like it was for business cards

Citi: 888-201-4523 (New App Approval Status)

Citi AA: 888-662-7759

Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453

Citi: 800-444-2568 (Retention Dept.)

Citi: 800-763-9795 (App status?? They ask for your app #)

Citi Credit Bureau Dispute Fax: 866-713-5028

Starting Score: 680+-
Current Score: 747 to 791
Goal Score: 800+ for all

Take the FICO Fitness Challenge

5/12 Cap 1 $500 7/12 Chase Freedom $1000 7/12 Discover More $1500

roncgizmo · ‎07-29-2012

Well, I got That letter today from Citi.. You know. the one that no one wants..lol

They said I got TD due to a BK.. They also said the BK included them in one way or another.

So right away I pulled my EQ to see if I had someone's information on my report.. Nope, nothing there about a BK..

After that I pulled up some old paperwork.. Found a file that had some old CR and part of my BK was also in there..

I didn't see anything listed for Citi but I did find out my BK was from 12/86.. Yup! you read it right 1986

On the plus side at the very bottom of the letter it said action required for recon.

Starting Score: 680+-
Current Score: 747 to 791
Goal Score: 800+ for all

Take the FICO Fitness Challenge

5/12 Cap 1 $500 7/12 Chase Freedom $1000 7/12 Discover More $1500

crunching_numbers · ‎02-15-2012

dp321 wrote:
In my opinion, use Citi's online CLI every 6 month, enter what you want and take whatever it gives you without HP.

So when my Citi reaches 6 months, is there a chance that they auto CLI? Or do I have to initiate? How does Citi work?

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 771 TU98 , 824 TU08 FICO, 776 EQ FICO , 735 EX(9/12) FICO
Goal Score: 750+, but shooting for the 800's
my wallet: Hyatt Visa Sig ($23K), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Discover It ($8K), Amex BCP ($9K), FNBO Visa (13.1K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Walmart D ($7.5K), JCP($5.3K), Dicks MC ($2K)

scarrollprint · ‎06-26-2012

roncgizmo wrote:
Well, I got That letter today from Citi.. You know. the one that no one wants..lol

They said I got TD due to a BK.. They also said the BK included them in one way or another.

So right away I pulled my EQ to see if I had someone's information on my report.. Nope, nothing there about a BK..

After that I pulled up some old paperwork.. Found a file that had some old CR and part of my BK was also in there..
I didn't see anything listed for Citi but I did find out my BK was from 12/86.. Yup! you read it right 1986

On the plus side at the very bottom of the letter it said action required for recon.

I don't think they denied you because you had a BK ever - they denied you because something that you had in BK either then or (most likely) NOW has some association with citi and thus you've been added to the blacklist even though you never hurt them.

If it had infor for a recon on it, I'd do it since obviously it appears you bk'd something that was bought by them long since your BK.

Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three

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Should I call Citi too?

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