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Thank you for clearing that. 😅 Now his score didn't drop like that the first time and wondering why it did it the 2nd time. If I understand you correctly, it went down because the second time he had an inquiry, that one knocked it down the 26 points? I thought that when someone does an initial inquiry, any others that follow prior to 30 days will not impact your credit score? I may be incorrect but thought I saw that/heard that somewhere. Thank you

Yeah, not much getting. I'm receiving lousy offers from Amex these days.

Yeah, that's probably it. Amex has been doing something similar trying to entice cardmembers to spread out payments or get a fixed term loan. Interest rates are quite low for the loan but going up recently. Looks like the banks are fishing waters that are pretty fixed out. Not a chance in hell I'm ever going to take out a loan unless they pay me.

Yes! Hahaha! Sorry, but my mind wanders when strategizing about buying a car. Anyway, what changed his report was the combination of mortgage queries. Other than that, nothing else but what you described in his report.

I am a little lost - why would an auto dealer pull his credit? He's shopping for a mortgage. Did you mean mortgage?

Auto dealers may have used several financial institutions and banks that only pulled out of Experian. Imagine there are tons of queries about his Experian report.

I am asking for my son. We live in California. He applied for a mortgage on May 10 and they did an inquiry. The lender wasn't a fit and he went to another one and they did an inquiry last week. His score didn't go down with Equifax or Transunion, but it dropped 26 points with Experian. He's upset and doesn't understand why his score dropped like that. I told him I'd ask the question in hopes to figure things out.

I agree with Shifter! Citibank take the idea of a Chase policy and use it to provide flexible loans to cardholders. I got the same deal from JPMorgan a year and a half ago. I never use the Flex loan offers. ETA - Their credit card pre-approved offer with a show credit limit offer is back.

Which, is what I said basically.

Getting the 3% is dependent upon the transaction being flagged as an online transaction (which is what Sidewinder basically said). In our multiple year experience with the account, even when placing an order with "brick and mortar" retailers, as long as the order is placed via a website it's been reliably flagged as an "online" transaction (even when the merchandise is picked up at the physical store).

It's basically just an advance from your Citi CC CL. I get those offers twice a week it seems.

See, in the BofA app, when you click on a specific transaction (I bought stuff at CVS.com days ago), there's a "Merchant Description" field (DRUGSTORES, PHARMACIES) and there's also an "Online Purchase" (Y/N) field. So I'd ask BofA whether a transaction's Online Shoppingness is what qualifies it for the category, or whether a merchant's "onlineness" needs to be found in the Merchant Description. -ness. : /

Interesting email offer from Citi. A "Flex loan up to 20k" Term loan where you pick the interest rate and amount. What's particularly different about the offer is it says no credit checks, no application, Just choose what you want. Huh!?

I have my category set as online shopping for the 3% cash back. I need to make a purchase at Home Depot. If I do an online purchase rather than physical store purchase, does anyone have experience as to whether that will code as online shopping or will it code as Home Improvement category even when purchasing online? I found a thread on Reddit stating it coded as online shopping, but they did the transaction through PayPal so that may have been the reason why.

Citi has been the best creditor to both me and my wife after we IIB'd them collectively for 6 figures. We each have two cards from them, received within 1-2 years post BK and they have slowly, but steadily increased the CLs over the years. Total CL is now around 70k. One data point is both of us had clean EQ reports, which is what they pulled because the others were on ice. It's possible that contributed to us getting around any blacklist. I would focus on getting the BK removed and cleaning up your reports while you season other secured cards like Disco.

My other mistake was that I was worried about burning an INQ at the time, so I talked to them, leading to the apparently bad advice.

It sounds like I gave up too easily. The variation suggests that people keep trying until they get accepted.

thanks....when will my post get approved?

Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: Pam, MarvBear, radi8, LKH & 😇breeze😇

Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: Pam, MarvBear, radi8, LKH & 😇breeze😇

As a data point - I burned citi around 07 CO (no bk) for around 5k. Fast forward to 2019 I was approved for Citi secured with low 500's scores, large cc chargeoffs (but no Citi showing on my reports) and I accepted with max 2500 deposit. YMMV.

Citi approved me for a secured card when the only things on my credit reports were several paid collection accounts and a paid tax lien and one other secured CC just a few months old. That was my only positive account closed or open. Pretty clear I was rebuilding however, none of the collections were credit related and I had a positive deposit account history with Citi.

I wont take much of your time and truly appreciate anything. With that being said to put it simply. I once had good credit, hated my job, saved money and then went on to acquire a lot of credit cards. I was reckless and acquired around 30 separate small accounts in order to purchase an inventory for a business venture. I missed some payments and you can imagine. It became a tangled mess and I let time pass. I'm overwhelmed, lost but I know I need to face the music, accept my responsibilities, and clean up. I need help because I don't think I am equipped to handle this. Is there any place that can help me? What do I do?

i just had a collections added to my credit report from Enhanced Recovery Company. $572 i just disputed it, so waiting on that.....also asked for pay for delete and they dont do that should i still pay it off without them wanting to remove it from my credit or just wait another 4 years until it falls off (its roughly 2 years old already from At&t) if i pay it off then the 7 years starts over correct? should i consider paying it off and asking for a good will removal? what would yall advise? trying to buy a house at years end and i completely forgot about that debt.........so i am pissed