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Citi recon chances?

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cutemarty1
Regular Contributor

Citi recon chances?

Recently closed on my mortgage for a second home plus some inquiries wasted with Direct TV Smiley Sad

 

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! Smiley Sad

 

What are my chances.... guys.

 

Latest EXP is 787

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
Message 1 of 10
9 REPLIES 9
B335is
Moderator Emeritus

Re: Citi recon chances?

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.
Message 2 of 10
cutemarty1
Regular Contributor

Re: Citi recon chances?


@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 Smiley Sad in the past year Smiley Sad

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
Message 3 of 10
B335is
Moderator Emeritus

Re: Citi recon chances?


@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 Smiley Sad in the past year Smiley Sad


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.

Message 4 of 10
cutemarty1
Regular Contributor

Re: Citi recon chances? ----- UPDATE APPROVED ON THIRD TRY!

Just called to update if they received my docs for address verification regarding recon. Put on hold for 5 minutes then......

 

APPROVED! 9.2k Smiley Happy Thank God. Inquiry not wasted wooohooo!

 

So guys, third time is a charm on recon --- it works!

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
Message 5 of 10
Anonymous
Not applicable

Re: Citi recon chances?

There out'ta be a law against such large CL's. Congrats! Awesome...
Message 6 of 10
coldnmn
Mega Contributor

Re: Citi recon chances?

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 10
alvon123
Super Contributor

Re: Citi recon chances? ----- UPDATE APPROVED ON THIRD TRY!


@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 Smiley Happy Thank God. Inquiry not wasted wooohooo!

 

So guys, third time is a charm on recon --- it works!


congrats


Message 8 of 10
B335is
Moderator Emeritus

Re: Citi recon chances? ----- UPDATE APPROVED ON THIRD TRY!

Congrats!!

Message 9 of 10
gdale6
Moderator Emeritus

Re: Citi recon chances? ----- UPDATE APPROVED ON THIRD TRY!


@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 Smiley Happy Thank God. Inquiry not wasted wooohooo!

 

So guys, third time is a charm on recon --- it works!


Grats, great start limit Smiley Happy

Message 10 of 10
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