Credit question

[bubbadu]

So last year I ran my credit report and everything was fine, no late payments on anything, only thing that was on there was my student loans, credit score of 670. I was looking to get a student credit card through citibank, and they just sent me a rejection letter saying "your previous or existing account has a history of late payments". How could this be when I have never had anything to do with these people? If anyone knows how to get ahold of someone from there, that would be cool. Thanks.

 

[MikeyIs4Dcats]

get a credit report and review it.

 

[Mayfriday0529]

I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

oh forgot, if you got rejected you should be able to get a free report on why within 60 days.

 

[bubbadu]

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

but did you have a Citibank card to begin with?

 

[Mayfriday0529]

Originally posted by: bubbadu

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

but did you have a Citibank card to begin with?

I have a Citibank Bank account... also student loans from them.

 

[bubbadu]

Originally posted by: Jnetty99

Originally posted by: bubbadu

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

but did you have a Citibank card to begin with?

I have a Citibank Bank account... also student loans from them.

I have never hand anything to do with these people, but don't feel like spending $40 to run another credit report. I thought that you got a free one, if you were rejected?

 

[jdub1107]

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

oh forgot, if you got rejected you should be able to get a free report on why within 60 days.

That's pretty weird. I have had at least one late payment on each of my credit cards (total of 3) since I first got one (about 4 years ago). I still just got recently approved by Citibank for their Plat Dividend Card.

 

[Nocturnal]

Originally posted by: jdub1107

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

oh forgot, if you got rejected you should be able to get a free report on why within 60 days.

That's pretty weird. I have had at least one late payment on each of my credit cards (total of 3) since I first got one (about 4 years ago). I still just got recently approved by Citibank for their Plat Dividend Card.

Was your late payment maybe a day after the due date and then you paid it off? If you let it go for more than a few weeks, I'm certain they put it on your credit report. If it's just a day or two I don't think they report it.

 

[RossMAN]

Originally posted by: Nocturnal

Originally posted by: jdub1107

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

oh forgot, if you got rejected you should be able to get a free report on why within 60 days.

That's pretty weird. I have had at least one late payment on each of my credit cards (total of 3) since I first got one (about 4 years ago). I still just got recently approved by Citibank for their Plat Dividend Card.

Was your late payment maybe a day after the due date and then you paid it off? If you let it go for more than a few weeks, I'm certain they put it on your credit report. If it's just a day or two I don't think they report it.

Correct

30+ day late payments (made after your official PAYMENT DUE DATE) are reported to the credit bureau.

 

[Mayfriday0529]

Originally posted by: RossMAN

Originally posted by: Nocturnal

Originally posted by: jdub1107

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

oh forgot, if you got rejected you should be able to get a free report on why within 60 days.

That's pretty weird. I have had at least one late payment on each of my credit cards (total of 3) since I first got one (about 4 years ago). I still just got recently approved by Citibank for their Plat Dividend Card.

Was your late payment maybe a day after the due date and then you paid it off? If you let it go for more than a few weeks, I'm certain they put it on your credit report. If it's just a day or two I don't think they report it.

Correct

30+ day late payments (made after your official PAYMENT DUE DATE) are reported to the credit bureau.

yes, my credit report shows 1 late payment after 30 days on 11/2001... doesnt matter i got approved by Capital One, just citibank is tough.

 

[HonkeyDonk]

Originally posted by: RossMAN

Originally posted by: Nocturnal

Originally posted by: jdub1107

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

oh forgot, if you got rejected you should be able to get a free report on why within 60 days.

That's pretty weird. I have had at least one late payment on each of my credit cards (total of 3) since I first got one (about 4 years ago). I still just got recently approved by Citibank for their Plat Dividend Card.

Was your late payment maybe a day after the due date and then you paid it off? If you let it go for more than a few weeks, I'm certain they put it on your credit report. If it's just a day or two I don't think they report it.

Correct

30+ day late payments (made after your official PAYMENT DUE DATE) are reported to the credit bureau.

woah is that true? Awesome, I think I had one 1-day late payment with Amex...i was on vacation and forgot about the due date. Came back 1 day after and paid it...glad it won't be on my record hehe.

 

[akubi]

Originally posted by: HonkeyDonk

woah is that true? Awesome, I think I had one 1-day late payment with Amex...i was on vacation and forgot about the due date. Came back 1 day after and paid it...glad it won't be on my record hehe.

yup. i've had two or three 1-2 day late payments and they don't show up on my report.

 

[NutBucket]

I think I've missed payments by a week

 

[Shlong]

I had one of those Secured Credit Cards, and bought some things off newegg & few other online stores, used it once in a while while going out as well... never any late payments. Anyways after 6-7 months using the secured card I applied for Citi Platinum Dividend & I got accepted, quickly cancelled the secured card.

 

[jdub1107]

Originally posted by: Nocturnal

Originally posted by: jdub1107

Originally posted by: Jnetty99
I have pretty good credit over 700 on Fico and one late payment like 4 years ago and Citibank still rejected me.

oh forgot, if you got rejected you should be able to get a free report on why within 60 days.

That's pretty weird. I have had at least one late payment on each of my credit cards (total of 3) since I first got one (about 4 years ago). I still just got recently approved by Citibank for their Plat Dividend Card.

Was your late payment maybe a day after the due date and then you paid it off? If you let it go for more than a few weeks, I'm certain they put it on your credit report. If it's just a day or two I don't think they report it.

Oh it was always way past the due date. Usually 2 weeks, or until I received my next statement. I haven't had any recent ones since I'm more responsible now, but when I first got it, I'd always making calls to their cust. reps to reverse the charges.