I applied for the CITI Double Mastercard and was denied. Their reason "A delinquent credit obligation, either paid or unpaid, was recorded on your credit report."
They used pull EX, and the collection that they saw, was removed yesterday.
Should I call to recon?!
Definitely try! Although they may want to pull your credit again to verify that the collection was removed.
You can recon, but unless they pull a fresh copy, they won't see that the collection has been removed, and thus will probably stick by the decision. You will probably have to sacrifice another hard pull. Not sure on Citi's recon policies for denied apps really, as I have not heard too many positive stories, but it can't hurt to ask.