Closed on house yesterday and decided to put in a few apps. Macy's $500 limit (had to call in to verify name, etc); Navy CLOC asked for 10k got 3k; tried for American Airlines Citibank visa ( they kept sending me those preapproval codes so against my better judgement I went for it) got denied. Reason was "a delinquent credit obligation was reported." I have a paid charge off from April 2018 and student loans lates from Oct-Dec 2019 and 2018. Pulled Equifax and Transunion. Scores were 655 and 647. Super happy about the Navy Approval. That's 2 credit cards (20k and 1500k limits) and a 3k CLOC with Navy since June.
@TC1212 Congrats on your approvals! Set your 31 day alarm, then sit back and watch that Macy's blossom into a 5 digit credit line!
As for Citi, you will get them next time. Freeze your reports and give your scores a chance to recover. You got this!