2/19/06 Citi: "... you have too many inquiries in the past 6 months and a serious delinquency, and a derogatory public record or collection filed."

Citi based its decision on the Equifax report. Neither the 2/7/06 or 3/5/06 Equifax reports contained a collection or public record.

The worst and most recent delinquencies were 60 day lates a year ago while he served in Iraq.

Obviously, he had to apply for a rental and utilities after his house was destroyed by Katrina, he bought a new car and applied for a mortgage.

Why did Citi close the credit card?

Creditors routinely get credit scores as part of their reviews of existing accounts. No person in their right mind would close an account that had no balance because of new inquiries, especially when the consumer lives in New Orleans and the inquiries obviously were the result of having to move after Katrina.

This account has does not show any delinquencies!