Re: Citi Bank .....A little heads u Don't be sorry!!! We needed a thread like this anyways. Especially with the BDD going on. So, let me be the first to thank you! Thank You!!!
Re: Citi Bank .....A little heads u kevdog - are you in northern california? Did they ONLY check experian? If you are and this is positive, I am DEF. going to apply!
Re: Citi Bank .....A little heads u kevdog - nm, are you in norcal or socal? I saw that they only pulled exclusively from EXP. It's also funny how for MP$40 they pulled EQ.
Re: Citi Bank .....A little heads u what about a paid collection under 2 years old? Would they approve?
Re: Citi Bank .....A little heads u They pulled Equifax on me and had 2 collections not paid. Instant approval online Citi AA Silver & Gold
Re: Citi Bank .....A little heads u ng: where do you live? Also, how large were the collection amounts?
Re: Citi Bank .....A little heads u Thanks ng. Were they high or low dollar collections? And how old, if you don't mind me asking.
Re: Citi Bank .....A little heads u Mind I am going on memory (the reports are in a folder at the office) 145.00 2 yrs (just got verified equifax) 135.00 2.5 yrs (just deleted by equifax) both unpaid I received no balance transfer offers and they have pulled another inquiry on 12/14/01 not sure why it was a hard. I applied in November 01 My eq score at the time was 597 I have since lost over 40pts I think income and debt ratio plays a determining factor in approval also My debt ratio is over 50% on some accounts
Re: Citi Bank .....A little heads u ender, I'm in no. CA (south bay), and they pulled equifax for me. I haven't managed to get anyone to pull my experian in almost a year (7 inquiries on EQ, 2 on TU).
Re: Citi Bank .....A little heads u I live in Missouri and everyone pulls equifax (my worst score) Chase pulled TU but I was denied TU is my best 697 EX 615 EQ now below 550
Re: Citi Bank .....A little heads u For what it's worth, if Citibank closes an account simply because of late payments (with the Citibank account or with other accounts reporting on your CRA files), then you end up on their "blacklist" -- no bankruptcy or chargeoff is required. Then you'll be automatically denied, and you have to call them and request reconsideration. Doc
Re: Citi Bank .....A little heads u psychdoc - how does this 'reconsideration' work? Is it lenient or is it on case by case basis? Or do u have any details? =)
