Warning...with all this talk about CITI approving people w/ 500 scores. I advise anyone with these scores to seriously reconsider before applying. I applied online (for the wrong card initially) and ate 2 inquiries costing me 18 points on my report. I don't have the card and my score is down. It may take me months to recover from that....
I only got CITIBANK PLATINUM SELECT because I did the BDD... I have been DENIED (for years) even for "PRE-APPROVED" applications with F.I.C.O. scores 686-711.
really, if you read all the posts of the citi bdd, you will see that the type/age of derogs and positive accounts will make a difference. if you had a bk or charged off citibank, will make a difference also. my score is 600's but i have not applied. i know it is tempting, especially when you have been waiting for so long, but really waiting and researching help you get the best chance of approval.
I'VE NEVER HAD ANY "BADDIES" BUT ONLY COULD GET CITIBANK WITH THE BDD... Somebody here suggested I was on the BLACK BALL LIST because I closed my 2 accounts, years ago...(ONCE YOUR A CUSTOMER~~~CUSTOMER FOR LIFE...DON'T CLOSE YOUR ACCOUNTS)
Thanx, you're right..I'm learning, but the hard way..I think I'll take a break for a while and see what "fowler and fowler" (credit restoration can do). So far, I'm disappointed in them. But maybe I'm being unrealistic about my expectations???????? I'm just sick and tired of having "bad credit"..I WANT A HOUSE!!!!!!!!!...(sob, sob)
