fighting for citi

[Anonymous]

well i did an application for the double cash last sunday and got.... DEEEENIED lol. so i decided that if i am taking a hard pill i may as well make the best of it. so i called on monday recon. they denied me due to severe delequency... so i don't necessarily agree with that lol. so i sent them my credit report for review so we shall see!

well.... i already know the outcome of what'll happen but oh well. may as well try

[JSS3]

Sooooo you don't have delinquencies?

[-Cal-]

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@JSS3 wrote:
Sooooo you don't have delinquencies?

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+1 

Do you know which credit report they pulled? Which credit report did you send to them? You should be able to ask them which deliquencies they are seeing.

[Anonymous]

well, i thought i just had one 30 day late back in august on my ex-wife's car that i was on as well, but i figured since it's now closed and refinanced then maybe they can take it easy on me. THEEENNNN there was a late payment that same month for capital one lol. so i am probably screwed. AAoA is 3.2 years, oldest is 6 years and i have $11,800 in credit and using 3%. score on experian from which they pull from is 664...

[Anonymous]

i just don't agree with the "severe" part of the delequency. it's not like it's a 120 day late or anything. we all make a whoops here and there lol.

[JSS3]

Ahh ok. Understood.

[Anonymous]

do you guys think this recon will be a bust?

[Anonymous]

They will probably see the late...but I would definitely recon...

[Anonymous]

yeah i am in the recon process now. figured if i am giving them a hard pull then they must earn it!

plus, there are a lot more green squares than red lol. hopefully the EO likes colors

[JSS3]

Lmao@ the green vs red squares! You're a trip!