topic Re: Getting back in with citi cards in Credit Cards

Getting back in with citi cards

tom3 — Thu, 21 Oct 2021 11:25:08 GMT

Hello all, this forum is simply amazing. I have a question. I had a charge off ($4,000) with Citibank about 9 years ago that have fallen off my credit reports, I’ve rebuilt my credit. All 3 Fico scores over 770 Plus across the board. Yesterday is the first time in ten years I got pre-qualified mail from Citibank. Does this mean I’m off the blacklist? I really would like the card but I'm afraid of a hard pull just to get a denial. Any comments and suggestions will be appreciated.

Re: Getting back in with citi cards

Yasselife — Thu, 21 Oct 2021 13:29:36 GMT

I think you're off the black list and they're welcoming you back.
That is what I called, Forgiveness.

@tom3

Re: Getting back in with citi cards

Remedios — Thu, 21 Oct 2021 14:55:13 GMT

@tom3 wrote:
Hello all, this forum is simply amazing. I have a question. I had a charge off ($4,000) with Citibank about 9 years ago that have fallen off my credit reports, I’ve rebuilt my credit. All 3 Fico scores over 770 Plus across the board. Yesterday is the first time in ten years I got pre-qualified mail from Citibank. Does this mean I’m off the blacklist? I really would like the card but I'm afraid of a hard pull just to get a denial. Any comments and suggestions will be appreciated.

No, that's not what it means.

"Pre-selected" mailers are complied based on basic criteria provided by a lender by CRA, them letters are generated and sent.

They have no idea if those preselected consumers are on BL since that's related to internal records.

Unlike negative accounts, internal records aren't purged certain after number of years. It might be a few years, a decade, or never.

For you to find out if you're off black list, you'd need to apply and see what happens.

Re: Getting back in with citi cards

tom3 — Thu, 21 Oct 2021 14:30:56 GMT

@Remedios wrote:
@tom3 wrote:
Hello all, this forum is simply amazing. I have a question. I had a charge off ($4,000) with Citibank about 9 years ago that have fallen off my credit reports, I’ve rebuilt my credit. All 3 Fico scores over 770 Plus across the board. Yesterday is the first time in ten years I got pre-qualified mail from Citibank. Does this mean I’m off the blacklist? I really would like the card but I'm afraid of a hard pull just to get a denial. Any comments and suggestions will be appreciated.
No, that's not what it means.
"Pre-selected" mailers are complied based on basic criteria provided by a lender by CRA, them letters are generated and sent.
They have no idea if those preselected consumers are on BL since that's related to internal records.
Unlike negative accounts, internal records aren't purged certain number of years. It might be a few years, a decade, or never.
For you to find out if you're off black list, you'd need to apply and see what happens.

@Remedios Thank you.