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Does anyone have an example of a good reconsideration letter


Alexander
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Does anyone have an example of a good reconsideration letter?

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I have a clean file with a FICO score over 750 with Equifax.

I applied for a Citi Bank Platinum cash rewards card and they pulled my Equifax and still turned me down because I filed bankruptcy ch 7 and I has an account with them that I filed on.

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My SO went through this a while back. Although her BK was 10 years ago she reapplied to the same bank as one of the accounts she had filed on. They told her straight up that even though it is off her CR they are allowed to keep internal records forever and make decisions using that information. My lawyer told us that was 100% legal for them as long as they did not release that info past the 7 year mark.

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