Reply
Member
roncgizmo
Posts: 17
Registered: ‎07-29-2012

Should I call Citi too?

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
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Should I call Citi too?

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 / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / 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 (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Regular Contributor
dp321
Posts: 166
Registered: ‎04-16-2011

Re: Should I call Citi too?

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
Member
roncgizmo
Posts: 17
Registered: ‎07-29-2012

Re: Should I call Citi too?

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
Member
roncgizmo
Posts: 17
Registered: ‎07-29-2012

Re: Should I call Citi too?

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
Member
roncgizmo
Posts: 17
Registered: ‎07-29-2012

Re: Should I call Citi too?

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
Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012

Re: Should I call Citi too?


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), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Frequent Contributor
scarrollprint
Posts: 382
Registered: ‎06-26-2012

Re: Should I call Citi too?


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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+