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Old Feb 6, 2023 | 9:07 pm
  #274  
Gaucho100K
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Citi AA Business MasterCard - update

So, I called the Recon line and after about 30 minutes of talk and hold time, the agent tells me that they cannot approve my application because when they pulled Equifax Business credit, I did not have a long enough history of trade lines. OK, so this is true, my LLC is less than 24 months old..... but the agent tells me that I should call Equifax Business and have them send me a copy of my Business Credit Report and see if what they report if accurate and/or if there is anything I should be disputing, etc.

So, I call Equifax Business.... and they send me an email with some basic information request to send me a copy of my Business Report. I get their email, send the basic information they request.... and they reply that the DO NOT HAVE a Credit Report on my Company. This doesnt surprise me.... but, what doesnt make sense is why would the Citibank Agent tell me that they pulled a credit report that doesnt exist....?

Im applying to Barclays so basically Citi can keep their Business Card, but why the BS with the "reason" for declining my application...? My Personal Credit Score (according to the Citi App) is 762, not stellar but good enough I would guess. I dont have more than 5 credit cards opened in the last 24 months, so now sure what the issue is.

I may try to call the Citi Business Recon line again and see if I can get something done with another agent.....

Will report back.

Last edited by Gaucho100K; Feb 6, 2023 at 9:08 pm Reason: clarification
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