Citi Double Cash CLI Denial - interesting basis

[IodineNightSky]

I've had this card about two years it's a 2350$ limit card. i asked for a CLI to see if they'd get up in the same zip code as my higher limit cards and was denied. the only basis for the denial is "your credit report shows a bankruptcy or financial counseling plan." I've never used a financial counseling plan (not even sure what that is). I did have a BK7 that was discharged about 11 years ago and came off my reports a year ago. no other reasons for the denial were given - my scores are around 700 right now i believe. 

when i got this citi card two years ago the BK was still on my reports. presumably, they're using the data from when they pulled my credit two years ago when i applied for the card - since the BK was on it back then but off it now. 

I suppose that also means i probably won't ever get a CLI on this card since i'll always have had that BK, even though it's been off my reports for a year now. 

just a data point for others. 

[FinStar]

Did you ever have any Citi or Citi Retail CCs that were included as part of your BK?

[IodineNightSky]

definintely not a regular citi card, but it's possible there was a citi retail card - dunno for sure. 

[FinStar]

Ok.  It sounds like they're somehow linking prior BK to the origination of this particular card or using a third party resource (LN) that is feeding such information.   Depending on whether you feel this needs to be updated, you can likely escalate to their UW team to see if there's leverage.  Only thing, though, a manual review would likely incur a HP 🤷‍♂️

[IodineNightSky]

thanks for the info - yea, i dont care enough about a CLI to garner a HP - i just have one more inq to fall off one of my reports and i'll have none counting against my ficos. mostly just wanted to record the data point in case others come across this situation. thanks for your replies!