https://ficoforums.myfico.com/t5/Bankruptcy/Capital-One-CLI-Rejection-Letter-Questions/m-p/5916400#M70145 <P>I recently submitted a CLI just to see where I stood and what popped up as the denial reasons. My actual 6 month mark is mid next month so will do a CLI then as well.&nbsp;</P><P>&nbsp;</P><P>This is what resulted..</P><P>&nbsp;</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="1.jpg" style="width: 690px;"><img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/55906iDBFBCA33D1DF4451/image-size/large?v=v2&amp;px=999" role="button" title="1.jpg" alt="1.jpg" /></span></P><P>&nbsp;</P><P>Bullet #1 is expected, but bullet #2 is problematic.&nbsp;</P><P>&nbsp;</P><P>I have triple checked all 3 beauru scores and I have nothing negative reporting except the BK7 which will be a year old end of March 2020. So I googled 'what is considered a credit deliquency' and it stated its a missed or late payment on a credit line. So I double checked again - I have no lates. So my question is - whats going on here? Do I need to be disputing lates in my charged off accounts from the BK? I know there were some that reported there, but other then that, nada.&nbsp;</P><P>&nbsp;</P><P>Any advice/similar experience?</P> Thu, 13 Feb 2020 16:58:55 GMT Anonymous 2020-02-13T16:58:55Z https://ficoforums.myfico.com/t5/Bankruptcy/Capital-One-CLI-Rejection-Letter-Questions/m-p/5916400#M70145 <P>I recently submitted a CLI just to see where I stood and what popped up as the denial reasons. My actual 6 month mark is mid next month so will do a CLI then as well.&nbsp;</P><P>&nbsp;</P><P>This is what resulted..</P><P>&nbsp;</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="1.jpg" style="width: 690px;"><img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/55906iDBFBCA33D1DF4451/image-size/large?v=v2&amp;px=999" role="button" title="1.jpg" alt="1.jpg" /></span></P><P>&nbsp;</P><P>Bullet #1 is expected, but bullet #2 is problematic.&nbsp;</P><P>&nbsp;</P><P>I have triple checked all 3 beauru scores and I have nothing negative reporting except the BK7 which will be a year old end of March 2020. So I googled 'what is considered a credit deliquency' and it stated its a missed or late payment on a credit line. So I double checked again - I have no lates. So my question is - whats going on here? Do I need to be disputing lates in my charged off accounts from the BK? I know there were some that reported there, but other then that, nada.&nbsp;</P><P>&nbsp;</P><P>Any advice/similar experience?</P> Thu, 13 Feb 2020 16:58:55 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Capital-One-CLI-Rejection-Letter-Questions/m-p/5916400#M70145 Anonymous 2020-02-13T16:58:55Z https://ficoforums.myfico.com/t5/Bankruptcy/Capital-One-CLI-Rejection-Letter-Questions/m-p/5916412#M70146 <P>I suspect bullet #2 pertains to your Chapter 7</P> Thu, 13 Feb 2020 17:16:36 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Capital-One-CLI-Rejection-Letter-Questions/m-p/5916412#M70146 krielly 2020-02-13T17:16:36Z https://ficoforums.myfico.com/t5/Bankruptcy/Capital-One-CLI-Rejection-Letter-Questions/m-p/5916716#M70150 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/215799">@krielly</a>&nbsp;wrote:<BR /><P>I suspect bullet #2 pertains to your Chapter 7</P><HR /></BLOCKQUOTE><P>Completely agree, with your bk a year old it is still "recent" as would be any late payments/CO that occurred before you filed bk</P> Thu, 13 Feb 2020 22:51:33 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Capital-One-CLI-Rejection-Letter-Questions/m-p/5916716#M70150 dragontears 2020-02-13T22:51:33Z