jaybird47

It is not worth it now. I tried my Citi Simplicity yesterday and it is still good. Different name, different state, 29 years. Wow! I don't get any offers from them nor do they automatically give me increases. I just never questioned it before. Thanks again for all of the input.

No late payments on any of my accounts. 2 of the four Citi have zero balances. The denial letter seems to be mostly about BK. Considering Citi handles a lot of retail credit cards, it is a huge company to be blackballed for something that happened 29 almost 30 years ago due to divorce. It also says my Citi accounts are currently restricted. I have available credit on all of them and there is no indication of a restriction. If this is truly blacklisting, I do not want to open a can of worms by asking for reconsideration. If is is a mistake, I would like to fix it. Thanks for all of the above input.

Wow! 29 years! Thank you! I'm surprised the other accounts were opened! I don't want to poke the bear! I'll let him snooze forever! 🙂

Hi! I applied last week for a Citi Costco card. My credit score at the time was 732 with Experian, which they use. I was denied. I had 2 inquiries. One from refinancing my home and 1 from Samsung for a phone. My debt ratio is 37%. I have NO late payments in the last 7 years and have 11 open lines of credit. I have a Citi Simplicity, Sears Shop your Way through Citi, Mobil and Shell both also through Citi. None of my accounts are at the limit. None have ever had a problem. I received my denial letter today. It says that I am being denied because of a past BK where Citi was involved. Yes. 1992. It says that my current accounts have many missed and late payments and that my account is now restricted. WTH? Totally untrue! I checked my Experian report and there is no problem there. Is it the BK in 1992? That is NOT on my credit report! I cannot find a way to get through to Citi, dispute this and ask for reconsideration. Help!! Does anyone know of a way that I can actually speak to someone? Also, what is the best way to ask for reconsideration? Thanks for your help. Pretty pissed in WA State! JayBird

🤣 Great to know! Thanks!

Thanks for the input. What is a FOAD paragraph?

Thank you! I will check the laws & licenses out. 😁

Wonder how that would apply to me. I'm in WA State. Very interesting! Thanks for the info.

Thank you Why Chat. You have helped me so much in the past. I appreciate your input.

Thank you. I was worried they would report to the bureaus if they just purchased it

Hi! I could use some advice. Whychat? Out of the blue, I received a settlement offer from EOS CCA in Boston, a CA for "current " creditor, U S Asset Management, Inc. It says the original creditor was Century Link Qwest and gives the original account number as my old phone number. This number was disconnected when I moved on Nov. 1. 2011. This is past the SOL. There is no original date on the letter. The letter does say that the original amount is $176.36 with no interest or fees. This seems a bit high but I do not remember the correct amount. I forgot all about it. I did not receive collection letters and it never reported to the bureaus. I would think that the information contained in the letter covers everything which a validation letter would generate. So what plan of action do I take? What letter do I send? I opted out 3 years ago but have since obtained more CCs. Perhaps that left me vulnerable to data miners. I have opted out again. Your help is appreciated. Jaybird

Thank you, Why Chat. I will send the letter to OC this week. Good to know that dental information falls under HIPPA. Thanks again for everything you do!

Thanks to WhyChat's method, I have just closed on my new home! I cannot thank you enough. I am not sure if a dental debt works the same way with HIPPA as a regular medical bill so I may be posting this in the wrong place. During the home buying process, I had a $30 dental bill from last year which I had forgotten about, go to a collection agency. Because I was in a panic over having just been approved, on the day I received the initial collection agency report, I immediately sent a check for the amount to the OC, the dentist. His office returned the check with a long personal letter explaining that they could no longer accept the payment because they had just given my account to a collection agency. My insurance was supposed to cover the whole visit, so I suspect that they are billing for the extra amount. Not cool but, due to the death of my wife, I did not handle it at the time. Now I just want it gone! The debt has not yet posted to my credit reports. Any ideas on how I might keep that from happening since the OC refuses to accept payment? If I pay the CA BEFORE it posts to my CRs, will that keep it from happening? Thank you in advance for your ideas and advice.

Exactly! I didn't know it was illegal. I will definitely opt out again! Thank you.