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Turned down from Citi Bank

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Brian_Trying_700
Frequent Contributor

Re: Turned down from Citi Bank

Thank you all for the input. 8 months Orchard Bank $300 limit. 2 years Capital One $750. 4 years 1st Credit Card Macy's $100.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 11 of 21
Brian_Trying_700
Frequent Contributor

Re: Turned down from Citi Bank

I pulled the Fico last month.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 12 of 21
Brian_Trying_700
Frequent Contributor

Re: Turned down from Citi Bank

What other cards should I try for. Any Amex ?

 

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 13 of 21
flyingmd
Frequent Contributor

Re: Turned down from Citi Bank

Have you called the backdoor and asked for a recon? You have nothing to loose. I was initially delined last month for the Executive World Elite MC due to too many inquiries. I called the backdoor after reading this forum and a few questions and 3 minutes later I was approved with a substantial CL (22K) (I am convinced thhat they looked at my other CL on my CR and gave me a CL in line with those) - Since they already pulled your cr you have nothing to loose by asking for a recon. Just call tommorrow during business hours. The number is on this list.

Message 14 of 21
Brian_Trying_700
Frequent Contributor

Re: Turned down from Citi Bank

Thanks Fly. I was planning on it. Would you happen to have the # ?

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 15 of 21
Anonymous
Not applicable

Re: Turned down from Citi Bank


@Brian_Trying_700 wrote:

Thanks Fly. I was planning on it. Would you happen to have the # ?


There's a list of backdoor numbers stickied on these forums.

Message 16 of 21
flyingmd
Frequent Contributor

Re: Turned down from Citi Bank

I used 888-201-4523. Make sure you ask for a senior credit analyst. They have the power to make a decision on the spot. Good Luck

Message 17 of 21
Brian_Trying_700
Frequent Contributor

Re: Turned down from Citi Bank

Thanks again for all your help. So I called them and said to fax a updated credit report with the Macys late payment deleted. I have a good faith letter from Macys stating I have never missed a payment in 4 years. How can I get this negative off my report ?

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 18 of 21
Anonymous
Not applicable

Re: Turned down from Citi Bank

There's a lot of related information available on these forums.

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Goodwill-Primer/m-p/9424

Message 19 of 21
Switch2007
Contributor

Re: Turned down from Citi Bank


@Brian_Trying_700 wrote:

Thanks again for all your help. So I called them and said to fax a updated credit report with the Macys late payment deleted. I have a good faith letter from Macys stating I have never missed a payment in 4 years. How can I get this negative off my report ?


I think you would do better with talking to Macy's about deleting it completely rather than getting them to write a good faith letter. If Macy's feels like you're a great customer, maybe they'll be more than happy to remove the late payments. Citi has pretty strict guidelines on lates and such, so it  may not be to your benefit to go with them with those baddies on your report. Have you tried Chase Freedom? Or B of A Rewards? Before going on an app spree, you can check some pre-approval sites, I've found them to be pretty accurate from what I've read on the forums. (Amex has one on their site, and can let you know whether or not they have any offers for you). Your overall credit file seems pretty thin though. 


Starting Score: 08/01/2009 584
Current Score: 08/01/2011 EQ 684 EX (Lender Pull) 702 TU 712
Goal Score: 780+


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Message 20 of 21
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