Citi CLI denied

[cabronsaim]

that was weird citi denied my credit limit increase but I didnt get sp nor Hp, and they stated my equifax score was 633...

[clocktick]

Did they give you any reasons?  How long have you had the card and what card is it?  What do your reports look like?

[LS2982]

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@cabronsaim wrote:
that was weird citi denied my credit limit increase but I didnt get sp nor Hp, and they stated my equifax score was 633...

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When is the last time you asked for a CLI?

[cabronsaim]

sorry I don't have the details of their denial right now but its the 1st CLI, its a ciiti d diamond preferred, my first 6 months.

[cabronsaim]

we are unable tosupply the apecific reasons why we have denied credit to you. We obtained your creditscore from this consumer reportin gagencyYourcreditscoreisanumberthatreflectstheinformationinyourcreditreport.Yourcreditscorecanchange, dependingonhowtheinformationinyourcreditreportchanges. AsofFebruary/2012yourcreditscoreis636.Creditscoresrangefromalowof250toahighof900.Thekey factorsthatadverselyaffectedyourcreditscoreare: · · · · Seriousdelinquencyandpublicrecordorcollectionfiled. Insufficientlengthofcredithistory. Numberofaccountswithdelinquency. Toomanyinquiriesinthelast12months

(sorry I'm on my phone.)

[cabronsaim]

by the way every single reason they use was in my report 6 months ago when I opened the account.

[clocktick]

So are you saying your report looks a lot different now?

[cabronsaim]

I'm saying those 2 baddies were there 6 months ago when I first applied for the credit card. so I don't understand what the problem is now. the only difference in my report is I have a lower ratio....

[score_building]

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@cabronsaim wrote:
I'm saying those 2 baddies were there 6 months ago when I first applied for the credit card. so I don't understand what the problem is now. the only difference in my report is I have a lower ratio....

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A successful app doesn't ensure baddies won't be cited by the issuer later on (e.g. at CLI request) as they age the likelihood of AA decreases. 630s is on the low end for Citi.

[cabronsaim]

actually my current score is 655 I don't know where they got that 633 from