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Established Contributor
MsKiwi
Posts: 832
Registered: ‎03-20-2008

should I even try?

Citi Bank has sent me in the neighborhood of 7 invites ( in the last couple of months). My credit is not yet pristine, but I haven't app'd fpr anything in over a year. Should I bite the bullet? They offer a zero intro for 15 months. This would allow me to close 4,  poo-poo acounts. I know I have very low inquiries, but I don't want to waste them either.

Mega Contributor
Creditaddict
Posts: 18,824
Registered: ‎10-23-2007

Re: should I even try?

do you have a recent EQ fico report? what's still bad and what's score and util?

the other day someone asked about being pre-approved then declined and no one reported using an offer code and being declined

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
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Established Contributor
MsKiwi
Posts: 832
Registered: ‎03-20-2008

Re: should I even try?


Creditaddict wrote:

do you have a recent EQ fico report? what's still bad and what's score and util?

the other day someone asked about being pre-approved then declined and no one reported using an offer code and being declined


My
EQ looks good. I still have baddies, but they will fall off next summer. That's why I'm thinking of holding off.

Established Contributor
KIPPIE12
Posts: 619
Registered: ‎05-09-2009

Re: should I even try?

some people get approved with Citi even with paid judgements. Some get denied for chargeoffs.  I don't know if they look at how old they are or not,  But maybe they approve as long as the judgements are paid, and the chargeoffs are not.  But i feel a judgement is as severe as a chargeoff.  Makes no sense to me at all.

 

Are defaulted credit chargeoffs looked at the same as medical ones?  I have 2 tiny collections from like over 6 years ago, and i won't apply with Citi despite the stacks of preapprovals and with descent scores as well.  My inquiries come off in 2 months, all of them, and i'm gonna pull the trigger then.

Current Score: EQ: 781 TU: 798 EX: 802 (Fico) 8/13
Goal Scores: 760 Across all 3-Finally


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Senior Contributor
score_building
Posts: 3,509
Registered: ‎01-10-2008

Re: should I even try?

Approvals come from citi with more recent

baddies than yours, but not much info here to venture a guess.

 

 

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
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Senior Contributor
laz98
Posts: 4,291
Registered: ‎09-06-2008

Re: should I even try?

also, don't count on them pulling EQ.  they have pulled EX for us.

Latest scores: Walmart TU: 766. MyFICO TU: ---. DCU EQ: 741. PSECU EX: 756.

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