Oh wow, that's really good to know. Thanks so much for replying 12njoy! I'm definitely leaning towards applying again, but wonder about the Holidays. Do the CCC up bonuses for the Holidays? If they do, then it would make sense to see what the Holidays bring.
@LadyJEsq wrote:Oh wow, that's really good to know. Thanks so much for replying 12njoy! I'm definitely leaning towards applying again, but wonder about the Holidays. Do the CCC up bonuses for the Holidays? If they do, then it would make sense to see what the Holidays bring.
You're welcome. I don't really follow the whole holiday thing with cards so I couldn't tell you.
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
No need to apologize. I was told that they can't approve me due to the colleciton.
@12njoy wrote:
@LadyJEsq wrote:Oh wow, that's really good to know. Thanks so much for replying 12njoy! I'm definitely leaning towards applying again, but wonder about the Holidays. Do the CCC up bonuses for the Holidays? If they do, then it would make sense to see what the Holidays bring.
You're welcome. I don't really follow the whole holiday thing with cards so I couldn't tell you.
Me either. I'm hoping maybe someone else on the board does though.
UPDATE:
So, I called the nice woman back and left her a message but never heard back. Since she didn't call back, I decided I would at lest file a DV and complaint with the CRA first since I've read that they can be seen on the report. Well, I've been really busy and haven't had a chance to send out the DV to the CA and file a complaint with the CRA. I haven't received an alert from IG/CK/Cap1 regarding any changes to my CR, but I just logged in to Cap1 and decided to check my FAKO score. I jumped 30 points and wondered why. I then saw that my derogatory accounts went from 1 to 0. I logged into to CK and see that for both EQ and TU the collection was removed. I don't know what to make of this. I've never heard of this happening to anyone else. With the collection gone and it being the main reason for my denial, I'm even more interested in allowing the EO to pull my CR again. But now, my only hesitation is whether or not CCC offer special bonuses for the Holidays. If they do, it would make sense to wait the month or so, but if not, I may just pull the trigger now. Thoughts?
TIA! 
When does your Discover card print the statement? I'd be really not believing CK for just about anything. Discover, otoh, would have your real FICO as of some fairly recent date, perhaps after the derogs fall off (presuming they did). Having said that, of course, hopefully the derogs did drop.
What is the result you get by going to the Citi website and running their CC prequalification tool? I'd rely on that as the barometer of how you look to Citi, more than anything. Definite offer or "we couldn't match"? Range of APR, or a specific APR?
Unfortunately, all my FICO scores (Discover - TU and FNBO - EX) have just updated. Discover will update again on 11/11 and I'm not sure if FNBO offers monthly FICO scores so not sure when it will update. Currently I can't access my Barclay account, but I'm almost positive they don't update monthly. According to CK, the collection was removed today. Cap1 doesn't indicate any changes, but it does show the jump in my score and it did show 1 derogatory account last time I checked. IG will update tomorrow, and there are no alerts as of yet from them. The prequals still have no offer for me.
Ok, so you have some waiting yet to get through. It should be positive waiting, looking forward to improved scores
In answer to your very first post in this thread, you should wait until the Citi prequalification page gives you a definite offer page that includes the TY card you want, with a single APR, and then you can decide whether you want to wait for the APR to become the best APR. There isn't much point in applying again with Citi until you get a prequal with one APR listed, in my opinion. Waiting for the best APR may not be necessary. I got my AAdvantage card with 13.99% APR and sent a message just a month after getting the card, got the APR reductions started by going to 13.24%, so APR reductions can follow later.
@LadyJEsq wrote:Unfortunately, all my FICO scores (Discover - TU and FNBO - EX) have just updated. Discover will update again on 11/11 and I'm not sure if FNBO offers monthly FICO scores so not sure when it will update. Currently I can't access my Barclay account, but I'm almost positive they don't update monthly. According to CK, the collection was removed today. Cap1 doesn't indicate any changes, but it does show the jump in my score and it did show 1 derogatory account last time I checked. IG will update tomorrow, and there are no alerts as of yet from them. The prequals still have no offer for me.
I get monthly FNBO EX FICO scores on my Rakuten Mastercard