Just got a letter in the mail from Citibank regarding their Click Citi AAdvantage Master... I was denied because "a delinquent credit obligation(s), either paid or unpaid, was recorded on your credit bureau report." They pulled trans union... I have one bad account on my trans file, MBNA...2-30days, 3-60days, and 7-90+ days. Account's been current since may 2000. balance around 1500 with a limit of 1000. I also have 12 inquires in past 11 months. Is there anything that i can do to get citi to change their minds. Junum is working on deleting this account or making it positive. I have until april 26 so send an updated copy of trans file to be considered for a reevaluatation. What do you think i should do???