topic Re: Citi Card Denial in Credit Cards

Citi Card Denial

BlueRaider — Thu, 23 Dec 2010 02:33:29 GMT

Received a denial because of the following reason:

o   A collection inquiry was recorded on your credit bureau
 report.

I've received a copy of my Experian report and there is no collection inquiry. I did recently refinance my mortgage but both inquiries for that are listed as Mortgage reporting. I sent Citi a copy of my experian report and they basically reiterated the denial for the same reason. However, Experian said they don't see a collection report either. What are my options?

Re: Citi Card Denial

Anonymous — Thu, 23 Dec 2010 02:48:15 GMT

Maybe they pulled a different report?

Re: Citi Card Denial

Anonymous — Thu, 23 Dec 2010 03:13:22 GMT

@Anonymous wrote:
Maybe they pulled a different report?

And, it may not have been hard pull. They may have softed your other reports.

Re: Citi Card Denial

clocktick — Thu, 23 Dec 2010 03:38:19 GMT

That's what I was thinking. Maybe you want to pull one or both of your other reports especially if you're not aware of who's reporting what.

Re: Citi Card Denial

Anonymous — Thu, 23 Dec 2010 04:29:15 GMT

@Anonymous wrote:
@Anonymous wrote:
Maybe they pulled a different report?
+1

And, it may not have been hard pull. They may have softed your other reports.

Re: Citi Card Denial

RammaCredit — Thu, 23 Dec 2010 05:57:08 GMT

Citi pulls EQ. check that report. they pulled it for me and it is my worst one. They dont budge on the recons either.

Re: Citi Card Denial

BlueRaider — Fri, 24 Dec 2010 02:11:31 GMT

Thanks for the replies. I checked my TU yesterday and am viewing EQ right now. EQ has fewer inquiries than the others, and all show no collection inquiry. The only thing I can think of is CBC INNOVIS pulled my credit due to my mortgage refinance, but they also do collections from my understanding. However, the pull is listed as mortgage inquiry.. I am stumped.

Re: Citi Card Denial

trumpet-205 — Fri, 24 Dec 2010 02:56:56 GMT

Call citi again and demand an explanation. Demand them to tell you what this collection is.