Epic Contributor
Posts: 28,048
Registered: ‎10-23-2007
Re: Citi and CLI Waiting Game..

Andy77 wrote:



So, I am beginning to realize that getting a CLI on my Citi card is going to be a LONG time from now...here is the back story....


Citi Secured opened Sept 2009 with 200 CL

Ch 7 BK discharged Sept 2009


Card unsecured 18 months later, but no CLI when unsecured


Used the Citi card from Sept 2009 through today, never late, never returned pmt, never over CL and life time spending on the card is 14, 500 with no single charge over 200 (CL)


My EX (which they always pull) is about 615 through creditexpert, but for all I know could be higher


I get declined for every single CLI because of my BK


So, I am assuming the only way I will get one is just to wait and let my score go up??  Right??  

I am assuming once it hits a threshold I will start getting increases, but I am not there yet



Im with other poster, Is this Citi your only Credit Card?

What baddies are on your report from BK and anything since Sept 2009 that is negative?

I'm not understand 3 years after BK why you are only a 620 and it's not even a Fico? Why don't you pull your TU and EQ here on this website and post back what's on that report and those 2 scores.... Rebuilding is expensive! but if you want to do it right and get the most help, getting Fico reports and score at least every 6 months to year will really help.

My Gardening 04/29/2016 All 3 Reports on Lockdown
Partner Joined Garden 04/11/2016