Citibank Credit Repair

attorney houston credit repair soon as you are contacted by the company your debt is placed with. As soon as you know who that is there are some predictable things that will happen next. I wonder if they'll reply to the snail mail since they've already replied via email.

I haven't received the green card yet either. Because your credit profile reflects the manner in which your account was maintained, the account information and payment history reflected on your credit bureau are correct and will not be changed. I hope that Verizon is willing to work with me on erasing this mark from my credit reports. Have you looked into your options with bankruptcy?

In addition, maintaining that good reputation with Citibank is extremely important to me. I'm crossing my fingers for you on the email. As soon as I became aware of the balance I paid the balance in full.

I regret that I was unable to honor your request. If so, then wait to see who signs for it. During the zorro credit period this account was established I was very happy with the service and made every attempt to honor my account agreement to the fullest. I would like to stress that the information currently being reported is accurate, I am not disputing anything with Verizon.

I interacted with this guy before. The account is not going to go away after charge off. Message 23 of Moderator Emeritus. I left my email address on the fax but have had no response. I would have buttered them up some more by talking about how much of a great company Verizon is and no other company would suit your needs, if I was famous Citibank credit repair would endorse Verizon, blah blah blah.

If not, you should. Then find the presidents address. Message 24 of Frequent Contributor. I took the template letter from this site and personalized it. But I am on the phone now pouring it on That did'nt work! I would be eternally appreciative if you would send a request to the credit bureaus to remove this entry.

I should have kept better records regarding the account and I take full responsibility. I am writing this letter to respectfully request your consideration in making an adjustment based on the circumstances that caused this single late payment.

So I sent the letter to two addresses, I faxed it see this article some number a rep gave me. Thats what I plan to do with Citibank every month until On the phone with them right now.

Without the resources needed, even if accumulated over time, and a realistic plan to settle collection accounts, the situation can eventually lead to court and being sued for your unpaid Citi credit card. I am simply asking Verizon for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report.

Those lates were truly their fault. The funny thing though when I called to ask for the fax number they automatically knew I wanted to fax something regarding credit reporting.

It was for like 28 bucks or something! But you never know. I myself wrote one to Verizon last week for a final bill I forgot about and went to collections a few years ago. I think it will be cool. I can certainly appreciate the circumstances that impacted your ability to make payment on your account. My concern is that you do not appear to have the money to do so. He removed some other lates for me. I got two letters today. You will have options to make a payment plan or settle the account wherever it lands.

Please consider that the Fair Credit Reporting Act does not demand that ALL accounts be reported, only that any account that is reported be reported accurately.

Re: Easiest Citibank Store Card to get? I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. However it is up to the discretion of the company to make any adjustments and the credit bureaus advised me that they will report anything they are instructed. Another saying they were unable to remove all the delinquencies. If you do not make a payment, or some arrangement with Citibank, the account will charge off and be put into their collection pipeline.

And I emailed to the big wigs. I provide this not to justify why the account was unpaid, but rather to show that this issue is not a good indicator of my actual credit worthiness. I faxed it on Thurs. I wonder just how many letters they get regarding these things I hope they don't look at my letter and think "here's another CIC letter", lol Good luck! I plead that you may help me and take into consideration how good of a customer I have been and will continue to be.

Michael started CRN in with a mission to provide people in need with detailed debt and credit help and education. Wow that sucks. I have since then enrolled in a repayment plan with automatic withdrawals so the possibility of this reoccurring is slim to none. I never emailed him but I guess whoever on that email list must have kicked it to him. I paid as soon as I got the first collection call but it was too late, it ended up a paid charge-off.

When the account charges off citibank will do one of three things: Assign your debt out to a debt collection agency who will call and write to you on behalf of Citibank in order to collect. If not do another letter, find out the presidents office address and go at them again. Message 27 of How were you going to fund a realistic settlement offer were Citi to make one available?

We are required by law to report your payment history accurately to the credit bureaus. I am totally confused. New Member. Post your answers to the above questions in a comment reply below and I can offer more detailed feedback. Citibank and charged off credit card debt and the risk of a collection lawsuit. If it's the same guy, then reply with something like Next step, send it cmrrr straight to the president. Someone different may get the snail mail and do you the favor???

If you want to settle the Citi debt, you have to identify a source of funds to do so. Sometimes collection efforts on these credit card accounts wont occur until some time down the road, or after your credit card account is sold off to a debt buyer. One from Home Depot credit services requesting more info. I am so grateful for the years of positive credit history I have obtained through your company but now that one late notation is causing me great stress.

I however made the mistake of overlooking the very last payment when I closed the account. All forum topics Previous Topic Next Topic. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites.

Message 21 of Message 22 of Established Contributor. I became aware of the unpaid balance when I got a phone call from a collector collecting the balance due and I immediately paid. First, I gotta construct a hell of a letter. Message 25 of Message 26 of Super Contributor. Easiest Citibank Store Card to get? I am fully aware of the policies on accurate reporting. I got bounced around for about an hour. I'm hoping that Verizon will do that in my case for this account. To all you goodwill letter writers Keep gunnin!

Here's what it said I am writing to you today regarding my telephone account The purpose of my correspondence repair credit to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the credit agencies.

I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my credit reports. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report.

Good to see you're a successful begger, lol, citibank credit repair. Or check my mail for the letter he claim was sent.

I think what happened was when I sent this new letter out to both the ceo's, complete with that post script somebody got chewed out. If not, you should. Citibank and charged off credit card debt and the risk of a collection lawsuit. If they say no. While you are on here do a search on how to get corporate email addresses. I was approved for Macy's with scores.

I wrote them and they have responded but they did not answer my question at all. I got his number so I can follow up with him. The quality of service provided by both entities makes their partnership an incredible alliance. There are reasons Citi will fast track debt collection efforts. Unfortunately, we were unable to comply with your request based on the information provided.

Also, I continue to shop at The Home Depot for all of my home improvement needs. And when I called they gave me the fax number to the "credit reporting" department but said there was no email.

Without the resources needed, even if accumulated over time, and a realistic plan to settle collection accounts, the situation can eventually lead to court and being sued for your unpaid Citi credit card. My concern is that you do not appear to have the money to do so. I doctored up the letter a little.

Take the steps to improve your profile and get what you want vs settling for a card you don't really want. It's deep stuff. I too am trying to contact them. Explain to him what happened. Just yesterday I sent out an email to everybody on my HSBC contact list about my wife's account and I kid you not I got like 5 calls from people ready to handle the issue. It may have something to do with account activity leading up to your default in payment recent cash advances, balance transfers, increased or large transactions just prior to default.

Forum Topics. I received a reply in the mail from Verizon and my request was de-nied! I would really appreciate it! Please contact me if there is a need to know which representatives I spoke with. If you want to settle the Citi debt, you have to identify a source of funds to do so.

Pay attention to the P. If I get a positive response from the last goodwill I sent, I will definitely pass off the info to you. Citibank may send your account directly to an attorney debt collector they have an established relationship with in your state for collection and authorization to sue. These debt buyers use debt collection agencies and attorney debt collectors too. I didn't give up. Then hope for the best. If you have further information you would like to provide us regarding this dispute, please contact us at So no goodwill from Verizon.

Skip Navigation. Well, well, well, after days of checking my report and still seeing that 30 day late even after I received personal letters stating it would be taken care of Let's hear it for goodwill letters! I'm scared of Asset! I think I'll beg some more too to see if she can just get it removed completely. At least not yet. Now, to wait for a response Crfix I got some stuff for you.

I'm thinking of calling her back and asking her if she can at least take off the "Paid Charge Off" detail and maybe change it to "Paid in Full" or just "Paid".

We recently received your notification of dispute. Three weeks later, I forwarded the email again and begged him to please consider my request. I wantes to know if you mind sharing with me who you sent the letter to at Citibank? But check this out here is the new scoop.

Said they aren't able to remove it and apologized again. The account is not going to go away after charge off. The next day, I received a phone call from someone in his office! Again, instead of getting a card you do not particularly want just to "get in" with Citi, how about going for what you actually want? I will be checking my report everyday till I see it drop. Posted July 6, Link to post Share on other sites. Fingers crossed! Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites.

And the original "refusal dude" was to embarrassed to call so he got his flunkie to do it. They please click for source see ALL of your history when you apply, not just history with them.

In line with that, I never understand the whole "get in with" such and such lender, or at least I find it very overblown. Once again CIC Warriors it's who the letter gets to and not necessarily the quality although that is important. Very nice lady. I will try to find the link too. I sent my letter, via email to the CEO of Verizon. And it's fun to do. Keep trying!

Recommended Posts. I love the fact that you were successful with CitiBank. I'm gonna go do a search for "corporate email addresses". She said she would do her best to investigate and see what she could do. I received no reply. I think if you have a good credit profile and history period, citibank credit repair, you'll be fine to apply for what you actually want, and not have to take the "steps" of lesser cards each of which involve a HP and AAOA ding. I know there's an argument for "relationship" and "good usage of a Citi card in the past" I just kind of disagree.

Sign In Help. Thank you for contacting Verizon Customer support. When I learned that Best Buy was an easier card to get I jumped on it because I want to get my foot in the door with Citibank and like to shop at Best Buy. About days later, citibank credit repair, she called back to say she did not have good news. I previously sent this letter in which the responses characterized the limited authorization of all the representatives I came in contact.

Credit history is credit history and even if you have no prior cards with Citi, if your profile supports a card, you will get it. Michael started CRN in with a mission to provide people in need with detailed debt and credit help and education. I'm also dealing with Asset Acceptance, ick! Prev 1 2 3 Next Page 1 of 3. Sometimes collection efforts on these credit card accounts wont occur until some time down the road, or after your credit card account is sold off to a debt buyer. I am sending this correspondence to humbly ask for your assistance in a matter in which I have exhausted my resources.

Have you looked into your options with bankruptcy? Can't wait to hear their response!! You will have options to make a payment plan or settle the account wherever it lands. It's a collection I paid right away a billion years ago! When someone is trying to re-establish credit after a big bankruptcy or some other credit catastrophe it seems reasonable to be concerned with what credit card might be easiest to get because picking a card with a high probability of approval will limit the number of hard inquiries.

I just got the email addy of the CEO so I'm going to forward the letter to him and remind him that this is not a dispute but a request for goodwill on their part. Can you find the name out of the guy you spoke to and write him directly? I thought I paid my balance in full, I had a 5. If no change or no letter, I will call the "flunkie dude" back and if he get stupid I will be sending another email to the big boys!

I never got a response from the fax but I got my read receipt in the mail a couple of days ago so I know it's been received. When the account charges off citibank will do one of three things: Assign your debt out to a debt collection agency who will call and write to you on behalf of Citibank in order to collect. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.

Post your answers to the above questions in a comment reply below and I can offer more detailed feedback. He claimed he works under the dude that kept saying "no" and that the dude was on vacation. I got a call from a citibank rep who says it was taken care of and he would send out a letter, blah, blah. Turn on suggestions.

Credit counseling companies have decades of history of getting people set up on affordable credit card repayment plans with Citibank.

I doctored up the letter a little. I will try to find the link too. I love the fact that you were successful with CitiBank.

How were you going to fund a realistic settlement offer were Citi to make one available? I thought I paid my balance in full, I had a 5. Explain to him what happened. The next day, I received a phone call from someone in his office! I think what happened was when I sent this new letter out to both the ceo's, complete with that post script somebody got chewed out. If you want to settle the Citi debt, you have to identify a source of funds to do so.

And the original "refusal dude" was to embarrassed to call so he got his flunkie to do it. But check this out here is the new scoop. You reference speaking to Citibank about settling your credit card debt.

I just got the email addy of the CEO so I'm going to forward the letter to him and remind him that this is not a dispute but a request for goodwill on their part. I wrote them and they have responded but they did not answer my question at all. Once again CIC Warriors it's who the letter gets to and not necessarily the quality although that is important. I'm thinking of calling her back and asking her if she can at least take off the "Paid Charge Off" detail and maybe change it to "Paid in Full" or just "Paid".

Said they aren't able to remove it and apologized again. I'm scared of Asset! I'm gonna go do a search for "corporate email addresses". It's a collection I paid right away a billion years ago!

If they say no. I got a call from a citibank rep who says it was taken care of and he would send out a letter, blah, blah. I will be checking my report everyday till I see it drop. Strive4Credit I can certainly appreciate the circumstances that impacted your ability to make payment on your account. Posted July 15, edited. Showing results for. The account is not going to go away after charge off. Three weeks later, I forwarded the email again and begged him to please consider my request.

Please contact me if there is a need to know which representatives I spoke with. At least not yet. This what I got back from the email: Mr. My concern is that you do not appear to have the money to do so. Message 25 of Do you have other credit card debts you are struggling with? I received a reply in the mail from Verizon and my request was de-nied! Did you mean:. Then hope for the best. And if you are looking to get lower monthly payments out of more than just Citi, talking to a credit counselor will make sense.

All forum topics Previous Topic Next Topic. I got his number so I can follow up with him. Can you find the name out of the guy you spoke to and write him directly? I am sending this correspondence to monthly fee credit repair no software ask for your assistance in a matter in which I have exhausted my resources.

It's deep stuff. Pay attention to the P. I think I'll beg some more too to see if she can just get it removed completely. He claimed he works under the dude that kept saying "no" and that the dude was on vacation.

Search instead for. And it's fun to do. About days later, she called back to say she did not have good news. New Member. I didn't give up. I wantes to know if you mind sharing with me who you sent the letter to at Citibank? Just yesterday I read again out an email to everybody on my HSBC contact list about my wife's account and I kid you not I got like 5 calls from people ready to handle the issue.

If the threat of pre-litigation in this instance is a collection ploy, you will know as soon as you are contacted by the company your debt is placed with. Message 23 of Moderator Emeritus. You will have options to make a payment plan or settle the account wherever it lands. Re: Easiest Citibank Store Card to get? Well, well, well, after days of checking my report and still seeing that 30 day late even after I received personal letters stating it would be taken care of Let's hear it for goodwill letters!

If no change or no letter, I will call the "flunkie dude" back and if he get stupid I will be sending another email to the big boys! The quality of service provided by both entities makes their partnership an incredible alliance. Recommended Posts. Talking to a credit counselor one on one to get a lower monthly payment estimate is free. Or check my mail for the letter he claim was sent. I'm also dealing with Asset Acceptance, ick! Also, I continue to shop at The Home Depot for all of my home improvement needs.

I previously sent this letter in which the responses characterized the limited authorization of all the representatives I came in contact, citibank credit repair. You can speak with a certified counselor today at ext 1, and also learn more about consolidating monthly payments.

If you have further information you would like to provide us regarding this dispute, please contact us at So no goodwill from Verizon. Posted July 16, I really hope you reconsider. If so, will agreeing to a long term balance liquidation plan with Citibank hardship repaymenthelp you manage your other credit card debts? Good to see you're a successful begger, lol. She said she would do her best to investigate and see what she could do. We recently received your notification of dispute.

Prev 1 2 3 Next Page 1 of 3. I sent my letter, via email to the CEO of Verizon. Very nice lady. Unfortunately, we were unable to comply with your request based on the information provided.

Keep trying! I too am trying to contact them. The counseling agency can often get you a lower interest rate and cut monthly credit card payments across all of your credit cards, rather than you struggling to get all or your credit card banks to agree to a plan, or only being able to get temporary hardship payment reductions. If you do not make a payment, or some arrangement with Citibank, the account will charge off and be put into their collection pipeline.

I would really appreciate it! If Citi has yanked the offer to set you up on the 60 month repayment plan, they likely would accept a similar plan if it was submitted to them through a nonprofit consumer credit counseling agency. Easiest Citibank Store Card to get? Thank you for contacting Verizon Customer support. I received no reply.

Fingers crossed! Message 21 of Message 22 of Established Contributor. Posted July 6, Link to post Share on other sites. Message 24 of Frequent Contributor. As soon as you know who that is there are some predictable things that will happen next.

Can't wait to hear their response!! If I get a positive response from the last goodwill I sent, I will definitely pass off the info to you.

New Member. About days later, she called back to say she did not have good news. I got his number so I can follow up with him. Turn on suggestions. What does citibank mean by prelitigation and what are my options to settle my credit card with them?

I received no reply. Your account is a couple of weeks from charge off. I too am trying to contact them. I would really appreciate it! But check this out here is the new scoop. To whom this may concern: I am writing to you today regarding my telephone account Your kind consideration in this matter is greatly appreciated. I am sending this correspondence to humbly ask for your assistance in a matter in which I have exhausted my resources. I wantes to know if you mind sharing with me who you sent the letter to at Citibank?

Posted July 6, Link to post Share on other sites. Posted July 22, I just need to know if someone out here had any success with them and who they sent it to. What you further outlined about Citibank withdrawing the hardship plan offer and that they are not willing to discuss debt settlement, gives me the impression that your account may well be set for fast track referral to an attorney debt collector.

Recommended Posts. There are some key things I like to see people put in play prior to reaching the stage of pre charge off collection that you are in. Also, I continue to shop at The Home Depot for all of my home improvement needs. And the original "refusal dude" was to embarrassed to call so he got his flunkie to do it. Posted July 25, This is going to be fun going back and forth with you about this!

If no change or no letter, I will call the "flunkie dude" back and if he get stupid I will be sending another email to the big boys!

I will be checking my report everyday till I see it drop. I do recognize that this request is unique and that it may not be Citibank's normal policy. I'm thinking of calling her back and asking her if she can at least take off the "Paid Charge Off" detail and maybe change it to "Paid in Full" or just "Paid".

Citibank credit repair In Help. The reference to pre-litigation at this stage of default with a citi bank credit card or personal loan can mean nothing of consequence, or that your account has been, or soon will be, flagged for placement with an attorney who may be authorized to sue you in their effort to collect.

Showing results for. Please contact me if there is a need to know which representatives I spoke with. Here is a quick read about what banks not just Citido at the point of credit card debt charge off: Assign, Sue, or Sell. I got a call from a citibank rep who says it was taken care of and he would send out a letter, blah, blah.

Prev 1 2 3 Next Page 1 of 3. I think I'll beg some more too to see if she can just get it removed completely. Posted July 20, Bad news They said no dice.

If you wanted to get Citi to accept a payment plan instead, even though they pulled the option off the table, you can still get on a payment plan. This what I got back from the email: Mr. Can't wait to hear their response!! Once again CIC Warriors it's who the letter gets to and not necessarily the quality although that is important. Very nice lady. If so, will agreeing to a long term balance liquidation plan with Citibank hardship repaymenthelp you manage your other credit card debts?

When the account charges off citibank will do one of three things:. All forum topics Previous Topic Next Topic. Creditors like Citi bank use the reference to pre-litigation as an effective tool to get more info to agree to make a payment. I think what happened was when I sent this new letter out to both the ceo's, complete with that post script somebody got chewed out.

Easiest Citibank Store Card word the best credit repair company Tell get? Posted July 23, Posted July 24, My next move is to check my payment history to see if there were any errors. And while it's true that the Fair Credit Reporting Act requires that any information reported is accurate, please consider that it does not demand that everything regarding the accounts be reported. She said she would do her best to investigate and see what she could do.

Therefore, a company does have legal discretion and permission to remove any information it chooses from the credit report. Having said that, there are a number of accounts that are selected for immediate legal collection action. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Good to see you're a successful begger, lol. Or check my mail for the letter he claim was sent. I would like to stress that the information currently being reported IS accurate, I am not disputing anything with Citibank.

I wrote them and they have responded but they did not answer my question at all. The response came as a form letter. It's a collection I paid right away a billion years ago!

I didn't give up. Posted July 21, I'm crossing my fingers for you on the email I myself wrote one to Verizon last week for a final bill I forgot about and went to collections a few years ago. I love the fact that you were successful with CitiBank.

Re: Easiest Citibank Store Card to get? Well, well, well, after days of checking my report and still seeing that 30 day late even after I received personal letters stating it would be taken care of Let's hear it for learn more here letters! Posted July 16, I really hope you reconsider.

Message 23 of Moderator Emeritus. As far as the email, no response yet. He claimed he works under the dude that kept saying "no" and that the dude was on vacation. Strive4Credit I can certainly appreciate the circumstances that impacted your ability to make payment on your account. The next day, I received a phone call from someone in his office! Three weeks later, I forwarded the email again and begged him to please consider my request.

If your goal is settling your citibank credit card, you may end up doing that with a debt collector Citi sends the account to, even an attorney debt collection firm. Your kind reconsideration in this matter is greatly appreciated. Posted July 15, edited. Did you mean:. I sent my letter, via email to the CEO of Verizon. The detail you provided supports exactly that. But I will cut and paste this and respond to his email.

I am simply asking you for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. The quality of service provided by both entities makes their partnership an incredible alliance. It wasn't personal at all.

Said they aren't able to remove it and apologized again. Search instead for. Some prepping can help you better know why Citibank might pull an earlier offer, and even when to take the most recent approved deal to settle.

I'm hoping that you will do that in my case for this account. First, you mention that even the minimum If they do, can you come up with the roughly Do you have other credit card debts you are struggling with? Message 21 of Message 22 of Established Contributor.

I previously sent this letter in which the responses characterized the limited authorization of all the representatives I came in contact.

I am simply asking you for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I'm thinking of calling her back and asking her if she can at least take off the "Paid Charge Off" detail and maybe change it to "Paid in Full" or just "Paid".

Posted July 20, Bad news They said no dice. I love the fact that you were successful with CitiBank. I might have a list already in the barell::BigGun Posted July 26, Posted July 27, Still waiting on a written response Posted August 1, Improve your profile and go for the cards you actually want. I received no reply.

Once again CIC Warriors it's who the letter gets to and not necessarily the quality although that is important. I think I'll beg some more too to see if she can just get it removed completely. Therefore, a company does have legal discretion and permission to remove any information it chooses from the credit report. There are some key things I like to see people put in play prior to reaching the stage of pre charge off collection that you are in.

As far as the email, no response yet. I would like to stress that the information currently being https://creditrepair.rocks/repair-credit-to-buy-a-house.html IS accurate, I am not disputing anything with Citibank.

Posted July 21, I'm crossing my fingers for you on the email I myself wrote one to Verizon last week for a final bill I forgot about and went to collections a few years ago.

Some prepping can help you better know why Citibank might pull an earlier offer, and even when to take the most recent approved deal to settle. And if you are looking to get lower monthly payments out of more than just Citi, talking to a credit counselor will make sense. Well, well, well, after days of checking my report and still seeing that 30 day late even after I received personal letters stating it would be taken care of Let's hear it for goodwill letters!

How were you going to fund a realistic settlement offer were Citi to make one available? Take the steps to improve your profile and get what you want vs settling for a card you don't really want. Said they aren't able to remove it and apologized again. Three weeks later, I forwarded the email again and begged him to please consider my request. If so, will agreeing to a long term balance liquidation plan with Citibank hardship repaymenthelp you manage your other credit card debts?

If no change or no letter, I will call the "flunkie dude" back and if he get stupid I will be sending another email to the big boys!

You can speak with a certified counselor today at ext 1, and also learn more about consolidating monthly payments. I didn't give up. But repair for home loan in see this article you get frustrated which companies are you trying to get with? I wantes to know if you mind sharing with me who you sent the letter to at Citibank?

First, you mention that even the minimum If they do, can you come up with the roughly Do you have other credit card debts you are struggling with? I think if you have a good credit profile and history period, you'll be fine to apply for what you actually want, and not have to take the "steps" of lesser cards each of which involve a HP and AAOA ding. The next day, I received a phone call from someone in his office! I will be checking my report everyday till I see it drop.

Again, instead of getting a card you do not particularly want just to "get in" with Citi, how about going for what you actually want?

And while it's true that the Fair Credit Reporting Act requires that any information reported is accurate, please consider that it does not demand that everything regarding the accounts be reported. I do recognize that this request is unique and that it may not be Citibank's normal policy.

Talking to a credit counselor one on one to get a lower monthly payment estimate is free. I wrote them and they have responded but they did not answer my question at citibank credit repair. The counseling agency can often get you a lower interest rate and cut monthly citibank credit repair card payments across all of your credit cards, rather than you struggling to get all or your credit card banks to agree to a plan, or only being able to get temporary hardship payment reductions.

Credit counseling companies have decades of history of getting people set up on affordable credit card repayment plans with Citibank. Forum Topics. Turn on suggestions. In line with that, I never understand the whole "get in with" such and such lender, or at least I find it very overblown. Posted July 6, Link to post Share on other sites. If Citi has yanked the offer to set you up on the 60 month repayment plan, they likely would accept a similar plan if it was submitted to them through a nonprofit consumer credit counseling agency.

Posted July 16, I really hope you reconsider. I got a call from a citibank rep who says it was taken care of and he would send out a letter, blah, blah, citibank credit repair. Credit history is credit history and even if you have no prior cards with Citi, if your profile supports a card, you will get it. Credit repair cleanup 1 2 3 Next Page 1 of 3.

Recommended Posts. Your kind reconsideration in this matter is greatly appreciated. Having said that, there are a number of accounts that are selected for immediate legal collection action. Or check my mail for the letter he claim was sent.

It's a collection I paid right away a billion years ago! But I will cut and paste this and respond to his email. About days later, she called back to say she did not have good news. I was approved for Macy's with scores. She said she would do her best to investigate and see what she could do.

I too am trying to contact them. This what I got back from the email: Mr. Strive4Credit I can certainly appreciate the circumstances that impacted your ability to make payment on your account. Posted July 25, This is going to be fun going back and forth with you about this! I'm hoping that you will do that in my case for this account. Skip Navigation. I know there's an argument for "relationship" and "good usage of a Citi card in the past" I just kind of disagree.

To whom this may concern: I am writing to you today regarding my telephone account Your kind consideration in this matter is greatly appreciated. Sign In Help. Good to see you're a successful begger, lol. And the original "refusal dude" was to embarrassed to call so he got his flunkie to do it. I think what happened was when I sent this new letter out to both the ceo's, complete with that post script somebody got chewed out.

The detail you provided supports exactly that. When someone is trying to re-establish credit after a big bankruptcy or some other credit catastrophe it seems reasonable to be concerned with what credit card might be easiest to get because picking a card with a high probability of approval will limit the number of hard inquiries. The response came as a form letter. Posted July 22, I just need to know if someone out here had any success with them and who they sent it to.

They can see ALL of your history when you apply, not just history with them. I got his number so I can follow up with him. Posted July 23, Posted July 24, My next move is to check my payment history to see if there were any errors. He claimed he works under the dude that kept saying "no" and that the dude was on vacation. It wasn't personal at all. When I learned that Best Buy was an easier card to get I jumped on it because I want to get my foot in the door with Citibank and like to shop at Best Buy.

Very nice lady. I would really appreciate it! Can't wait to hear their response!! What you further outlined about Citibank withdrawing the hardship plan offer and that they are not willing to discuss debt settlement, gives me the impression that your account may well be set for fast track referral to an attorney debt collector. You reference speaking to Citibank about settling your credit card debt. I sent my letter, via email to the CEO of Verizon.

Posted July 15, edited.

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