I take it that the experian report must have no derogs. And ender you are sure about being on the blacklist? Have you ever paid them at all? Once I get these last few items off of EX, this is where I will be headed.
Actually Kitty - I am not sure.. but my main concern w/ Citibank is what credit report they will check. I am willing to try, but as long as it is for experian.. and I saw different people say different things.. some say experian, some say EQ.. so that's why I am hesitant now.
So ender...you never paid the AX chrg off right? Also..i take it htat there are no derogs on EX any longer?
Both statements are correct. My EXP is 100% clean and I had a chargeoff with AmEX. But I got the LOC approval.
jshimmer: when u do a search for only ONE CRA that checks, can you also put in functionality so it will check state as well?
I would call customer service at Citibank and ask which report their computer pulls for your state. If that rep is not helpful hand up and get another. Most all reps are helpful at the Citi
my amex chargeoff was in 96-97. But I got the LOC. I think this is diff. from any cards tho.. but I DID get the corporate card.. so i am not sure whether I am on the blacklist or not.
LizardKing, maybe the State Farm platinum Visa is granted based on EX scores, but in my case I have found that even with an EX score as high as 732, my discharged 7 has kept me declined. To this day I still have not received a single prime account.
