2 inquiry are same - what to do.

[Anonymous]

I had apllied for Citi Simplicity card at few months ago. Citi bank sent me a form (tax form) to fill and to send them back. There was deadline for sending the form back (about a month or two). So I missed deadline. Citi bank specialist said that now I have to apply again.

I want to get this card, but I had 3 inquires before citi bank. 2 inquires from citi added to it will be five. Is there any way to make another inquiry from city acoount to the previous inquiry (4th)? It not really fair if I will have a 2 inquiry for actually same request (and first one wasn't denied).

[Anonymous]

Well, it's "fair" in that you are making two separate applications for credit!  Depending on the time between, you might get them to use the old report instead, but they don't have to.  For example, they might wonder why you waited, and want to pull again to get the latest information.

[Anonymous]

Why it is fair? I apply for the same card to the same bank, I wasn't denied for first one - just was too busy to send them tax report. Both inquires about exact same issue.

I understand why bank want new inquiry (things might dramatically change in a few months), but why the credit bureau can't account new inquiry to the old one? That's what I am talking about. I wasn't looking for credit "twice" - and that what inquires suppose to represent - the degree at which you seeking for credit. So, honestly said - I am seeking for credit once but missed deadline to send taxt report to bank.

Just want to figure out to what place I can appeal with this issue?

[navigatethis12]

You can't appeal it and will have to live with two inquiries. You can ask Citi if they can remove the first one but it would just be wasting time.

[Anonymous]

Appeal it with Citi directly. Just simply say that you DID in fact send that form back, but the error was their fault because they obviously didn't process it. Simply say the rep you talked to said that you have to reapply..

Then if that doesn't work, dispute it with the CRA. Citi probably won't bother replying to it.. and it will get removed.. Just be careful not to piss Citi off.. They're vindictive.

[Anonymous]

Good morning everyone! OP may send a request to Citi but to suggest that OP sent the firm back in a timely matter when he clearly stated that it was late - should not be encouraged.

Request the inq to be deleted but in the end OP failed to return the form by the deadline and its their right to request a second inq. It's OP right to not app again with Citi

[Anonymous]

---

@Anonymous wrote:

Why it is fair? I apply for the same card to the same bank, I wasn't denied for first one - just was too busy to send them tax report. Both inquires about exact same issue.

I understand why bank want new inquiry (things might dramatically change in a few months), but why the credit bureau can't account new inquiry to the old one? That's what I am talking about. I wasn't looking for credit "twice" - and that what inquires suppose to represent - the degree at which you seeking for credit. So, honestly said - I am seeking for credit once but missed deadline to send taxt report to bank.

Just want to figure out to what place I can appeal with this issue?

---

It's fair because you applied for credit on two separate occasions.   It doesn't matter it was for the same card, or that you weren't denied.  For all Citi knows, you applied the first time, decided not to send the tax form because of some bad issue, and applied for five other credit cards.  And now you want to try Citi again, perhaps the others denied you, or worse, you need even more credit than those five gave you!

So yes, you are looking for credit twice.

One additional inquiry isn't really that bad, and it goes away fairly quickly.

[Anonymous]

But Lexie, for the OP to say he did send it back in a timely manner, it would be Citi's responsibility to prove otherwise. This is no different than disputing items on a credit report. If they cannot provide sufficient proof to support what you are disputing, it must be removed by law. Telling Citi it was there error is no different..

[Anonymous]

I did not apply for other 5 cards. I apply for 3 cards before citi, never was denied, than apply for citi (4th inquiry) and if I apply again I will have 5th inquiry. I also had no other inquires after the citi inquiry. It just I had late to send form back, but I still want to get it done.

[manwoot]

---

@Anonymous wrote:

But Lexie, for the OP to say he did send it back in a timely manner, it would be Citi's responsibility to prove otherwise. This is no different than disputing items on a credit report. If they cannot provide sufficient proof to support what you are disputing, it must be removed by law. Telling Citi it was there error is no different..

---

So just lie and cheat your way through life, sounds good.  This is the type of advise we're trying to avoid giving.

---

@Anonymous wrote:

I did not apply for other 5 cards. I apply for 3 cards before citi, never was denied, than apply for citi (4th inquiry) and if I apply again I will have 5th inquiry.

---

You don't have to apply for Citi again if you don't want the additional inquiry.  That's up to you.  If you want the card, take the second inquiry from them, chalk it up to a lesson learned, and enjoy your card!  Otherwise, you can pass for now and not worry about another inquiry.