@AverageJoesCredit wrote:
I really wish i had learned more about credit when i was younger and maybe i never would have had to go bk7. Sad part is i really wish i had not had to include Amex but alas i did and now must pay the piper. I apply everyonce in awhile just to see if im still blacklisted which almost 10 years later i am. Dont plan on apping anymore for them for at least 2 more years, hopefully by then, theyll show some leniency but if not , i can still attack the Discover mountain. Never had them so ive found they can be hit or miss on who they want . But once your in should grow nicely. Is it judt me or does it seem Discover is handing out some pretty big auto luv recently?
Me too! Even though I had really good credit when I was younger, I could have had excellent credit and avoided BK if I had known how to manage my credit... I burned Amex, Citi x 2, Chase, and BofA x 2. Don't figure I will see any of those approve me anytime soon. But I am really grateful for Cap1, Discover, and Barclays.
I think i did burn Citi but would have to check but i do remember i used to have a visa with them. Funny thing is i am back in with them as first got the Best Buy, then Home Depot but these are the retail side. Sears finally took me back but i was able to get DC first. I still believe once i got the BB and showed some usage and payment history that opened the door with the DC card. Only thing i cant figure out with Citi is why my fico score keeps dropping, perhaps why they arent granting me any cli on the DC. Sonce its a verson of Eq and i do have quite a few inqs on it perhap thats holding me back. Definitely gotta garden hard to bring down the inqs and let my bk7 fall in apr/may.
Eventually youll get there Bella. I assume Amex and Chase are hardest to get back in with, not sure on Boa, this is my first go around with them. I guess time is the healer of all wounds, at least i hope so
Eventually youll get there Bella
. I assume Amex and Chase are hardest to get back in with, not sure on Boa, this is my first go around with them. I guess time is the healer of all wounds, at least i hope so
@AverageJoesCredit wrote:
I think i did burn Citi but would have to check but i do remember i used to have a visa with them. Funny thing is i am back in with them as first got the Best Buy, then Home Depot but these are the retail side. Sears finally took me back but i was able to get DC first. I still believe once i got the BB and showed some usage and payment history that opened the door with the DC card. Only thing i cant figure out with Citi is why my fico score keeps dropping, perhaps why they arent granting me any cli on the DC. Sonce its a verson of Eq and i do have quite a few inqs on it perhap thats holding me back. Definitely gotta garden hard to bring down the inqs and let my bk7 fall in apr/may.
Eventually youll get there Bella
Don't let the EQ Bankcard 4 FICO score that Citi provides scare you, AverageJoes. It's not a regular FICO 8 score that most of us are used to going by, and in many cases can be 20-40 points lower than your EQ FICO8. You are doing well and making good progress.
@AverageJoesCredit wrote:
I think i did burn Citi but would have to check but i do remember i used to have a visa with them. Funny thing is i am back in with them as first got the Best Buy, then Home Depot but these are the retail side. Sears finally took me back but i was able to get DC first. I still believe once i got the BB and showed some usage and payment history that opened the door with the DC card. Only thing i cant figure out with Citi is why my fico score keeps dropping, perhaps why they arent granting me any cli on the DC. Sonce its a verson of Eq and i do have quite a few inqs on it perhap thats holding me back. Definitely gotta garden hard to bring down the inqs and let my bk7 fall in apr/may.
Eventually youll get there Bella
That's awesome that you got back in with Citi already! Eventually you will get there too!
PS I just realized I burned Citi x 3 though: ATT Univeral, Sears, and AAdvantage, plus the Universal was my highest limit card. I'm pretty sure I am the devil to them. 
@Anonymous wrote:
@AverageJoesCredit wrote:
I think i did burn Citi but would have to check but i do remember i used to have a visa with them. Funny thing is i am back in with them as first got the Best Buy, then Home Depot but these are the retail side. Sears finally took me back but i was able to get DC first. I still believe once i got the BB and showed some usage and payment history that opened the door with the DC card. Only thing i cant figure out with Citi is why my fico score keeps dropping, perhaps why they arent granting me any cli on the DC. Sonce its a verson of Eq and i do have quite a few inqs on it perhap thats holding me back. Definitely gotta garden hard to bring down the inqs and let my bk7 fall in apr/may.
Eventually youll get there Bella
Don't let the EQ Bankcard 4 FICO score that Citi provides scare you, AverageJoes. It's not a regular FICO 8 score that most of us are used to going by, and in many cases can be 20-40 points lower than your EQ FICO8. You are doing well and making good progress.
I was wondering what score model they use. My score with them last month was 665. I thought my score was dropping and I couldn't understand why. Is that the scoring model they use for CLI as well?
@Anonymous wrote:
@Anonymous wrote:
@AverageJoesCredit wrote:
I think i did burn Citi but would have to check but i do remember i used to have a visa with them. Funny thing is i am back in with them as first got the Best Buy, then Home Depot but these are the retail side. Sears finally took me back but i was able to get DC first. I still believe once i got the BB and showed some usage and payment history that opened the door with the DC card. Only thing i cant figure out with Citi is why my fico score keeps dropping, perhaps why they arent granting me any cli on the DC. Sonce its a verson of Eq and i do have quite a few inqs on it perhap thats holding me back. Definitely gotta garden hard to bring down the inqs and let my bk7 fall in apr/may.
Eventually youll get there Bella
Don't let the EQ Bankcard 4 FICO score that Citi provides scare you, AverageJoes. It's not a regular FICO 8 score that most of us are used to going by, and in many cases can be 20-40 points lower than your EQ FICO8. You are doing well and making good progress.
I was wondering what score model they use. My score with them last month was 665. I thought my score was dropping and I couldn't understand why. Is that the scoring model they use for CLI as well?
Unfortunately, yes.
My regular EQ FICO 8 is a good 40 points higher than the EQ Bankcard 4 model that Citi uses.
Thanks Humu, understand and understood
. My citi score i believe updated this month at 633 yikes. But my CK is 663 and since i just froze my EQ, just waiting to receive paperwork) im not sure true fico though last month saw it was about 666. Cant wait to see effect of the bk fall off
@susieqj , thanks appreciate it. You can very much gaurentee( sp) that when( not if haha) i get in with Disco, the forum shall know lol!
@ bella, dont sweat Citi even if the think your the devil cuz even in the darkest day their will always be a brighter light plus, how can they denial a " bella"
@ Jdana70, i know it can be maddening, we are so accustomed to the fico 8 being the all mighty fico 8 Heck, i have a 659 next gen score with Penfed and am anxious to see if ive gone up since last update ,think it comes out in Oct. A little off topic but these other scores can often leave us scratching our heads.
Sorry everyone in that im on mobile and still cant figure how to quote one like i read everyones responses Newbalicious i guess Great night eveyone!
. My citi score i believe updated this month at 633 yikes. But my CK is 663 and since i just froze my EQ, just waiting to receive paperwork) im not sure true fico though last month saw it was about 666. Cant wait to see effect of the bk fall off@susieqj , thanks appreciate it. You can very much gaurentee( sp) that when( not if haha) i get in with Disco, the forum shall know lol!
@ bella, dont sweat Citi even if the think your the devil cuz even in the darkest day their will always be a brighter light
plus, how can they denial a " bella" @ Jdana70, i know it can be maddening, we are so accustomed to the fico 8 being the all mighty fico 8
Heck, i have a 659 next gen score with Penfed and am anxious to see if ive gone up since last update ,think it comes out in Oct. A little off topic but these other scores can often leave us scratching our heads.Sorry everyone in that im on mobile and still cant figure how to quote one like i read everyones responses
Newbalicious i guess Great night eveyone!
@AverageJoesCredit wrote:
Thanks Humu, understand and understood
@susieqj , thanks appreciate it. You can very much gaurentee( sp) that when( not if haha) i get in with Disco, the forum shall know lol!
@ bella, dont sweat Citi even if the think your the devil cuz even in the darkest day their will always be a brighter light
@ Jdana70, i know it can be maddening, we are so accustomed to the fico 8 being the all mighty fico 8
Sorry everyone in that im on mobile and still cant figure how to quote one like i read everyones responses
Not to get off topic but if you scroll to the bottom of this thread and click full it will take you to the full site to quote comments.
@AverageJoesCredit wrote:
Thanks Humu, understand and understood
@susieqj , thanks appreciate it. You can very much gaurentee( sp) that when( not if haha) i get in with Disco, the forum shall know lol!
@ bella, dont sweat Citi even if the think your the devil cuz even in the darkest day their will always be a brighter light
@ Jdana70, i know it can be maddening, we are so accustomed to the fico 8 being the all mighty fico 8
Sorry everyone in that im on mobile and still cant figure how to quote one like i read everyones responses
I'm on my iPhone right now so it can be done. I just figured it out last week lol