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Recently closed on my mortgage for a second home plus some inquiries wasted with Direct TV
App'd for Citibank AA and got the please call. Called once for a recon and denied saiyng I had multiple inquiries. Tried the second time and luckily was connected to a senior credit analyst. Explained to her that the inquiries were from my new home mortgage shopping and utilities. She said she can override it but the issue was my new address argh! (my new home). She said if I can email them two proofs of billing such as bank statements with activity. She seemed very nice and open but at the end of the day, it's citibank!
What are my chances.... guys.
Latest EXP is 787
@B335is wrote:
How many inq do you have on EX? Citi isn't particularly known for recon but if you can provide what the CSR is asking for I would definitely try. Usually any more than 6 inq in the last 6 months is their threshold.
6 in the past year
@cutemarty1 wrote:
@B335is wrote:
How many inq do you have on EX? Citi isn't particularly known for recon but if you can provide what the CSR is asking for I would definitely try. Usually any more than 6 inq in the last 6 months is their threshold.6 in the past year
6 in the last year should be fine - as long as they weren't all in the last 6 months. I would definitely send in the docs, sounds more like a verification issue.
Just called to update if they received my docs for address verification regarding recon. Put on hold for 5 minutes then......
APPROVED! 9.2k Thank God. Inquiry not wasted wooohooo!
So guys, third time is a charm on recon --- it works!
Congrats! Thanks for sharing.
@cutemarty1 wrote:Just called to update if they received my docs for address verification regarding recon. Put on hold for 5 minutes then......
APPROVED! 9.2k Thank God. Inquiry not wasted wooohooo!
So guys, third time is a charm on recon --- it works!
congrats
Congrats!!
@cutemarty1 wrote:Just called to update if they received my docs for address verification regarding recon. Put on hold for 5 minutes then......
APPROVED! 9.2k Thank God. Inquiry not wasted wooohooo!
So guys, third time is a charm on recon --- it works!
Grats, great start limit