IF not Citi then who???

**MartysGirl** · 12.28.2001, 21:06

If I can't get a Citi card b/c of a CA on my Equifax report. Then who else should I try for? Chase? I have two positive CC account and two student loans NO negatives on TU and EX.

*** I wanted to add that I have had my BMW since 2/1999 and it has NEVER showed up on my CR..and yes it's in my name...!!! I wish it would b/c I pay about 600.00 a month and I've NEVER been late!!!!!!! JUST MY LUCK...*****

**sam** · 12.29.2001, 05:27

My score dropped 20+ points when the car loan showed up.

Never the less. Most places won't touch you with a collection.

Pay it, and maybe they'll reconsider. Prime + Collections is hard as dirty.

I have a 671 EXP and 669 EFX and most places deny me due to paid collection, go figure huh? Even target.

**MartysGirl** · 12.29.2001, 09:42

I know Sam..it's such a B&&CH!!! This is why I'm trying to apply for a card that pulls ONLY TU or EX since EQ has the CA on it!!!!!!! I think Roni told me Chase only pulls TU but I'm not sure. Has anyone applied for Chase and them pull another report on you?

**MartysGirl** · 12.29.2001, 16:42

BUMP

**MikeG** · 12.29.2001, 17:35

Hey marty,

dont forget to check out www.millcbs.com

I hope I typed that in right.

Mike G.

**Cadillac408** · 12.29.2001, 17:41

I think Chase pulls only TU. I haven't seen a post where they've pulled someone else.

**mindcrime2** · 12.29.2001, 18:11

Originally posted by MartysGirl
If I can't get a Citi card b/c of a CA on my Equifax report. Then who else should I try for? Chase? I have two positive CC account and two student loans NO negatives on TU and EX.

*** I wanted to add that I have had my BMW since 2/1999 and it has NEVER showed up on my CR..and yes it's in my name...!!! I wish it would b/c I pay about 600.00 a month and I've NEVER been late!!!!!!! JUST MY LUCK...*****

Martysgirl, is the collection account on your report paid or unpaid?

**MartysGirl** · 12.29.2001, 18:47

The collection is unpaid! I am gonna try to offer them to pay it for total delation after my baby is born (april)

**mindcrime2** · 12.29.2001, 19:13

Originally posted by MartysGirl
The collection is unpaid! I am gonna try to offer them to pay it for total delation after my baby is born (april)

I asked because I have a collection on my reports, but it's paid. Question: If someone has a collection, a charge-off, and a dept. store card that is/was late, does that count as 3 negative marks on your report, or does each time something was late count as 1neg i.e. 30 days late considered 1 neg, 60 days late considered another late.

**MartysGirl** · 12.29.2001, 19:39

Originally posted by mindcrime2

I asked because I have a collection on my reports, but it's paid. Question: If someone has a collection, a charge-off, and a dept. store card that is/was late, does that count as 3 negative marks on your report, or does each time something was late count as 1neg i.e. 30 days late considered 1 neg, 60 days late considered another late.

As much as it sucks... 3 negative marks..!!!!!! CO=1 Charge off =1, and Dept Card=1. If you mess up a tradeline buy having a 30 or 60 day late that's only 1 negative. Although it does help if it's only a 30day late when you are being reviewed by a REAL person!