Ok... I found out today that I was denied b/c of a Collection (it will be 3 yrs old this Feb.). Just my luck they pulled Equifax and I had the CA under dispute (didn't matter to them)! I'm hope it falls off this time. The CA wants about 3,000.00 and they do NOT want to budge or settle. Ok... I really need this card! Who here has PFB them and had any luck getting a citi card w/ a CA being listed as the reason of the denial? If you didnt PFB them how did you do it? How long did it take b/f you finally got the card? ***I have searched creditnet and found several posts about inquires and they letters they wrote. However.. I have yet to find anyone talking about it a Collection and what they done about it.
Was this a Citi AA product? What was your approxiamate score? Citi might be tightening their pants. May explain why my manual review was denied for BT with 669 score.
Yes it was a Citi AA card. I have no clue what my Equifax score is/was. I am having to wait of them to update my married name so I can purchase it online! (sorry)
I PFd both them and MBNA and got approved after denial. I had next to no decent credit and 3-4 unpaid derogs at the time Citi reconsidered me. They gave me $1000. Just write a really convincing letter. However, I agree that Citi may be tightening. I too asked for a BT rate/eligibility and with a 677 EQ I got denied.
