Citi CLI and Recon CL

[Skye12329]

Does Citi Recon a CL without another HP or is another required?

Also when are you eligible for a SP increase?

On a side note on an application theres usually 3 options but i was wondering which is technically better Rent or Other? I was told by a BBY employee its better to Rent than own or other since your showing you pay rent. Which i know isnt right because if you own theres a smaller chance of someone getting up and moving away. So which is better than Rent or Other? I also ask because i work retail (Sears - quitting soon ) and i always hope for the best of an approval but it seems when someone puts rent in the selection its mostly a denial. We dont see many others. 

[B335is]

Your best chance of Citi reconsideration is through EO. Front line doesn't seem empowered to deviate from the computer response. It may be another HP, they will call you first if you email or you can just ask if you dial the number. They're a friendly department, I've used them a few times.

As to your other question I dont agree that rent is better. Having a mortgage in good standing on your CR looks far better. Other would apply if you don't pay monthly housing expenses.

[bigbang91]

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@Skye12329 wrote:

Does Citi Recon a CL without another HP or is another required?

Also when are you eligible for a SP increase?

On a side note on an application theres usually 3 options but i was wondering which is technically better Rent or Other? I was told by a BBY employee its better to Rent than own or other since your showing you pay rent. Which i know isnt right because if you own theres a smaller chance of someone getting up and moving away. So which is better than Rent or Other? I also ask because i work retail (Sears - quitting soon ) and i always hope for the best of an approval but it seems when someone puts rent in the selection its mostly a denial. We dont see many others. 

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Eo recon almost always resulted in another HP. There is a CLI button online, you can try to click it from time to time, sp unless it asks for permission to pull Cr

[Anonymous]

I just went thru the online process and it resulted in an HP but my CL jumped from $16.5K to $25K.

Owning a home is definitely better than paying rent.  How much so?  Hard to say

[Anonymous]

Be honest.