Citi denied my application for a Simplicity card, twice!!
Their reasoning was “public record, collection account, judgement, or garnishment”. So, knowing this is pure BS, I ordered my Equifax Credit report online and just as I already knew, there’s nothing negative on my report. So I called the recon # and explained and they resubmitted my application. I got the same denial.
Called Equifax the next day and even THEY told me there’s nothing negative, no collections, no judgements, nothing. They then sent me my hard copy report.
I received it yesterday. All clean and..... THERE’S NOT EVEN AN INQUIRY FROM CITI!!!!!! Soft or hard. What is this BS they’re pulling?
I don’t like being denied. My Equifax 08 score is 709. Not the best, but should be ok.
What do I do?
