Citibank Credit Repair

It wasn't personal at all. Message 23 of Moderator Emeritus. Followers 0. 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. This what I got back from the email: Mr.

Prev 1 2 3 Next Page 1 of 3. About days later, she called back to say she did not have good news. Your kind reconsideration in this matter is greatly appreciated. Search instead for. If you want to settle the Citi debt, you have to identify a source of funds to citibank credit repair so. She said she would do her best to investigate and see what she could do.

Re: Easiest Citibank Store Card to get? Did you mean:. I think I'll beg some more too to see if she can just get it removed completely. Showing results for. But I will cut and paste this and respond to his email. As soon as you know who that is there are some predictable things that will happen next. It says We appreciate Posted August 7, edited. I am simply asking you for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report.

I'm hoping that you will do that in my case for this account. All forum topics Previous Topic Next Topic. The account is not going to go away after charge off. Have you looked into your options with bankruptcy? 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".

How were you going to fund a realistic settlement offer were Citi to make one available? Posted July 23, Posted July 24, My next move is to check my payment history to see if there were any errors.

Posted July 22, I just need to know if someone out here had any success with them and who they sent it to. So last time my situation was bleek Respectfully yours, strive4credit P. Message 24 of Frequent Contributor. 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. But just in case you get frustrated which companies are you trying to get with?

Posted August 9, I would write a goodwill to Fredmeyers, sort of like the one I have. 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.

I too am trying to contact them. Sign In Sign Up. Citibank and charged off credit card debt and the risk of a collection lawsuit. Posted July 16, I really hope you reconsider. Therefore, a company does have legal discretion and permission to remove any information it chooses from the credit report. Can't wait to hear their response!! It's a collection I paid right away a billion years ago! Easiest Citibank Store Card to get? As far as the email, no response yet.

Posted July 20, Bad news They said no dice. 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. Posted July 25, This is going to be fun going back and forth with you about this! My concern is that you do not appear to have the money to do so.

Thats the first rule in goodwilling! The response came as a form letter. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. I wrote them and they have responded but they did not answer my question at all. If you do not make a payment, or some arrangement with Citibank, the account will charge off and be put into their collection pipeline.

Message 21 of Message 22 of Established Contributor. Posted July 6, Link to post Share on other sites. Michael started CRN in with a mission to provide people in need with detailed debt and credit help and education. I love the fact that you were successful with CitiBank. 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 might have a list already in the barell::BigGun Posted July 26, Posted July 27, Still waiting on a written response Posted August 1, It's just a form letter.

Posted August 30, Posted September 1, Posted September 2, FixMyCredit9 10 Posted September 3, Posted September 3, This topic is now closed to further replies. If not, you should. Strive4Credit I can certainly appreciate the circumstances that impacted your ability to make payment on your account. I wantes to know if you mind sharing with me who you sent the letter to at Citibank?

I would like to stress that the information currently being reported IS accurate, I am not disputing anything with Citibank. Post your answers to the above questions in a comment reply below and I can offer more detailed feedback. Posted July 15, edited. I do recognize that this request is unique and that it may not be Citibank's normal policy. New Member. Sometimes collection efforts on these credit card accounts wont continue reading until some time down the road, or after your credit card account is sold off to a debt buyer.

First of all, don't how much do credit repair companies charge up. Said they aren't able to remove it and apologized again. Recommended Posts. 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.

Go to topic listing. You will have options to make a payment plan or settle the account wherever it lands. 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.

As soon as I became aware of the balance I paid the balance in full.

And when I called they gave me the fax number to the "credit reporting" department but said there was no email. But I am on the phone now pouring it on That did'nt work! At least not yet. 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.

I thought I paid my balance in full, I had a 5. I think it will be cool. I left my read article address on the fax but have had no response. 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.

I should have kept better records regarding the account and I take full responsibility. The american airlines card only for purchases from AA or US airways is backed by Citi, and is very easy to get. I am totally confused.

Post your answers to the above questions in a comment reply below and I can offer more detailed feedback. I doctored up the letter a little. 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. Then hope for the best. Can you find the name out of the guy you spoke to and write him directly?

I received a reply in the mail from Verizon and my request was de-nied! The quality of service provided by both entities makes their partnership an incredible alliance. As soon as you know who that is there are some predictable things that will happen next. 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 would like to stress that the information currently being reported is accurate, I am not disputing anything with Verizon. Another saying they were unable to remove all the delinquencies. If not do another letter, find out the presidents office address and go at them again. Citibank and charged off credit card debt and the risk of a collection lawsuit. And it's fun to do. I sent it to an "Executive Response Unit" ooooooohhhh! Improve your profile and go for the cards you actually want.

I know there's an argument for "relationship" and "good usage of a Citi card in the past" I just kind of disagree. I became aware of the unpaid balance when I got a phone call from a collector collecting the balance due and I immediately paid.

How were you going to fund a realistic settlement offer were Citi to make one available? The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the citibank credit repair of this account to the credit agencies. You reference speaking to Citibank about settling your credit card debt. 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.

We recently received your notification of dispute. I was approved for Macy's with scores. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. If I get a positive response from the last goodwill I sent, I will definitely pass off the info to you.

But I sent the learn more here letter to another address today. Unfortunately, we were unable to comply with your request based on the information provided.

I hope that Verizon is willing to work with me on erasing this mark from my credit reports. Explain to him what happened. 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.

Have you looked into your options with bankruptcy? Thank you for contacting Verizon Customer support. My concern is that you do not appear to have the money to do so. 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?

Also, I continue to shop at The Home Depot for all of my home improvement needs. 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 I would endorse Verizon, blah blah blah.

I will try to find the link too. 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. 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.

I haven't received the green card yet either. I'm also dealing with Asset Acceptance, ick! In line with that, I never understand the whole "get in with" such and such lender, or at least I find it very overblown. Michael started CRN in with a mission to provide people in need with detailed debt and credit help and education. 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'm gonna go do a search for "corporate email addresses". You will have options to make a payment plan or settle the account wherever it lands. Now, to wait for a response Crfix I got some stuff for you. The funny thing though when I called to ask for the fax number they automatically knew I wanted to fax something regarding credit reporting. Take the steps to improve your profile and get what you want vs settling for a card you don't really want. I faxed it on Thurs. I got two letters today.

While you are on here do a search on how to get corporate email addresses. If you have further information you would like to provide us regarding this dispute, please contact us at So no goodwill from Verizon. They can see ALL of your history when you apply, not just history with them. Pay attention to the P. 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.

If you want to settle the Citi debt, you have to identify a source of funds to do so. They usually give high limits also Why concern yourself with which card is "easiest to get" with a lender? It's deep stuff. I am simply asking Verizon for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report.

I'm hoping that Verizon will do that in my case for this account. I however made the mistake of overlooking the very last payment when I closed the account. During the time period this account was established I was very happy with the service and made every attempt to honor my account agreement to the fullest. The account is not going to go away after charge off. 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.

Even if for example Zales is easy to get, citibank credit repair, if you have zero use for it, citibank credit repair, what's the point? I sent mine to the address posted on my credit report. I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. 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'm scared of Asset! I am sending this correspondence to humbly ask for your assistance in a matter in which I have exhausted my resources. If they say no. 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. 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.

If not, you should. Keep trying! Fingers crossed! One from Home Depot credit services requesting more citibank credit repair. I got bounced around for about an hour. If you do not make a payment, or some arrangement with Citibank, the account will charge off and be put into their collection pipeline. 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.

Thats what I plan credit repair baltimore do with Citibank every month until On the phone with them right now.

Then hope for the best. If so, then wait to see who signs for it. If they say no. You will have options to make a payment plan or settle the account wherever it lands.

Now, to wait for a response Crfix I got some stuff for you. 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. 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. Wow that sucks.

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. Even if for example Zales is easy to get, if you have zero use for it, what's the point? 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 sent mine to the address posted on my credit report.

I will try to find the link too. Credit history is credit history and even if you have no prior cards citibank credit repair Citi, if your profile supports a card, you will get it. 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.

I'd disagree as well. 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. 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'm crossing my fingers for you on the email. First, I gotta construct a hell of a letter. I took the template letter from this site and personalized it. I faxed it on Thurs.

As soon as I became aware of the balance I paid the balance in full. But I sent the same letter to another address today.

Michael started CRN in with a mission to provide people in need with detailed debt and credit help and education. But you never know. I would like to stress that the information currently being reported is accurate, I am not disputing anything with Verizon. I got bounced around for about an hour. Post your answers to the above questions in a comment reply below and I can offer more detailed feedback.

But I am on the phone now pouring it on That did'nt work! There are reasons Citi will fast track debt collection efforts. It's deep stuff. Keep trying! 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 would have buttered them up some more by talking about how repair best companies credit of a great company Verizon is and no other company would suit your needs, if I was famous I would endorse Verizon, blah blah blah.

Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. 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.

I sent it to an "Executive Response Unit" ooooooohhhh! Explain to him what happened. Can you find the name out of the guy you spoke to and write him directly?

I was initially denied for Macy's, since they were IIB. Citibank and charged off credit card debt and the risk of a collection lawsuit.

Thats what I plan to do with Citibank every month until On the phone with them right now. Take the steps to improve your profile and get what you want vs settling for a card you don't really want. I should have kept better records regarding the account and I take full responsibility. One from Home Depot credit services requesting more info.

I've seen many members around getting approved for Macy's. My concern is that you do not appear to have the money to do so. Another saying they were unable to remove all the delinquencies.

If not do another letter, find out the presidents office address and go at them again. It was for like 28 bucks or something! I got two letters today. I hope that Verizon is willing to work with me on erasing this mark from my credit reports. If you send some canned letter you pulled off a website, Citibank may have flagged your account for legal review. I am simply asking Verizon for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report.

What can be seen real time on your credit report, and whether you are paying other credit cards, but not paying Citi. I think it will be cool. I'm hoping that Verizon will do that in my case for this account.

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.

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 myself wrote one to Verizon last week for a final bill I forgot about and went visit web page collections a few years ago.

During the time 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 thought I paid my balance in full, I had a 5. I paid as soon as I got the first collection call but it was too late, it ended up a paid charge-off.

While you are on here do a search on how to get corporate email addresses. And when I called they gave me the fax number to the "credit reporting" department but said there was no email. Then find the presidents address.

Have you looked into your options with bankruptcy? If not, you should. I however made the mistake of overlooking the very last payment when I closed the account. I left my email address on the fax but have had no response. Without the resources needed, even if accumulated over time, and a realistic plan to settle collection accounts, the situation classes credit repair eventually lead to court and being sued for your unpaid Citi credit card.

I am totally confused. In line with that, I never understand the whole "get in with" such and such lender, or at least I find it very overblown. They can see ALL of your history when you apply, not just history with them.

And it's fun to do. If it's the same guy, then reply with something like Next step, send it cmrrr straight to the president. The funny thing though when I called to ask for the fax number they automatically knew I wanted to fax something regarding credit reporting.

They usually give citibank credit repair limits also Why concern yourself with which card is "easiest to get" with a lender? Someone different may get the snail mail and do you the favor??? The american airlines card only for purchases from AA or US airways is backed by Citi, and is very easy to get. I reconned and explained that I was more than 4 years out of BK and I was approved. If I get a positive response from the last goodwill I sent, I will definitely pass off the info to you.

I haven't received the green card yet either. These debt buyers use debt collection agencies and attorney debt collectors too. I am concerned about what's easiest to get because I am trying to rebuild my credit history from a Chapter 7 discharged a few years ago. Improve your profile and go for the cards you actually want.

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, citibank credit repair. I became aware of the unpaid balance when I got a phone call from a collector collecting the balance due and I immediately paid. 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 is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to repair fes reviews credit credit agencies.

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement.

I received no reply. Another saying they were unable to remove all the delinquencies. I previously sent this letter in which the responses characterized the limited authorization of all the representatives I came in contact.

Then hope for the best. Or check my mail for the letter he claim was sent. Sign In Help. Thank you for contacting Verizon Customer support. You will have options to make a payment plan or settle the account wherever it lands. In line with that, I never understand the whole "get in with" such and such lender, or at least I find it very overblown. I got two letters today. I received a reply in the mail from Verizon and my request was de-nied! Once again CIC Warriors it's who the letter gets to and not necessarily the quality although that is important.

If you have further information you would like to provide us regarding this dispute, please contact us at So no goodwill from Verizon. I didn't give up. But I sent the same letter to another address today. And the original "refusal dude" was to embarrassed to call so he got his flunkie to do it. Explain to him what happened.

I got a call from a citibank rep who says it was taken care of and he would send out a letter, blah, blah. Fingers crossed! 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?

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. Post your answers to the above questions in a comment reply below and I can offer more detailed feedback.

I sent my letter, via email to the CEO of Verizon. Good to see you're a successful begger, lol. You can speak with a certified counselor today at ext 1, and also learn more about consolidating monthly payments.

I will try to find the link too. 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.

Forum Topics. 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'm gonna go do a search for "corporate email addresses". Very nice lady. It's deep stuff. Skip Navigation. I'm scared of Asset! Improve your profile and go for the cards you actually want. We recently received your notification of dispute. And when I called they gave me the fax number to the "credit reporting" department but said there was no email.

At least not yet. Three weeks later, I forwarded the email again and begged him to please consider my request. If not, you should. But I am on the phone now pouring it on That did'nt work! They can see ALL of your history when you apply, not just history with them. He claimed he works under the dude that kept saying "no" and that the dude was on vacation.

I would really appreciate it! If you do not make a payment, or some arrangement with Citibank, the account will charge off and be put into their collection pipeline. You reference speaking to Citibank about settling your credit card debt. Turn on suggestions. Can you find the name https://creditrepair.cam/experian-credit-repair.html of the guy you spoke to and write him directly? I know there's an argument for "relationship" and "good usage of a Citi card in the past" I just kind of disagree.

Well, citibank credit repair, 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! Said they aren't able to remove it and apologized again. The next day, I received a phone call from someone in his office!

And it's fun to do. 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! Take the steps to improve your profile and get what you want vs settling for a card you don't really want. I am totally confused. 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.

While you are on here do a search on how to get corporate email addresses. I got bounced around for about an hour. 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. 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. Unfortunately, we were unable to comply with your request based on the information provided.

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 opinion tinker federal credit union repo cars accept to get temporary hardship payment reductions.

I will be checking my report everyday till I see it drop. Please contact me if there is a need to know which representatives I spoke with. I'm also dealing with Asset Acceptance, ick! 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.

I got his number so I can follow up with him. As soon as you know who that is there are some predictable things that will happen next.

If they say no, citibank credit repair. 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 https://creditrepair.cam/credit-repair-cloud-pricing.html get because picking a card with a high probability of approval will limit the number of hard inquiries.

Also, I continue to shop at The Home Depot for all of my home improvement needs. If I get a positive response from the last goodwill I sent, I will definitely pass off the info to you. I sent it to an "Executive Response Unit" ooooooohhhh! My concern is that you do not appear to have the money to do so. 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 Henry credit repair and AAOA ding.

The account is not going to go away after charge off. She said she would do her best to investigate and see what she could do. 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 sent mine to the address posted on my credit report. Have you looked into your options with bankruptcy? Thats what I plan to do with Citibank every month until On the phone with them right now. If you want to settle the Citi debt, you have to identify a source of funds to do so.

The quality of service provided by both entities makes their partnership an incredible alliance. About days later, she called back to say she did not have good news. Now, to wait for a response Crfix I got some stuff for you. I was approved for Macy's with scores. How were you going to fund a realistic settlement offer were Citi to to repair your report one available?

But check this out here is the new scoop. One from Home Depot credit services requesting more info. Michael started CRN in with a mission to provide people in need with detailed debt and credit help and education.

Pay attention to the P. I am sending this correspondence to humbly ask for your assistance in a matter in which I have exhausted my resources. 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.

Keep trying! I doctored up the letter a little. I thought I paid my balance in full, I had a 5.

In addition, maintaining that good reputation with Citibank is extremely important to me. 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.

If so, "citibank credit repair", will agreeing to a see this article term balance liquidation plan with Citibank hardship repaymenthelp you manage your other credit card debts? The detail you provided supports exactly that. I interacted with this guy before.

Here's what it said I am writing to you today regarding my telephone account The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the credit agencies. Talking to a credit counselor one on one to get a lower monthly payment estimate is free. 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.

The funny thing though when I called to ask for the fax number they automatically knew I wanted to fax something regarding credit reporting. And if you are looking to get lower monthly payments out of more than just Citi, talking to a credit counselor will make sense.

Message 21 of Message 22 of Established Contributor. You can speak with a certified counselor today at ext 1, and also learn more about consolidating monthly payments. 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! 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.

To all you goodwill letter writers Keep gunnin! Message 27 of 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 faxed it on Thurs. Another saying they were unable to remove all the delinquencies. All forum topics Previous Topic Next Topic. New Member. If it's the same guy, then reply with something like Next step, send it cmrrr straight to the president.

And I emailed to the big wigs. So I sent the letter to two addresses, I faxed apps to help repair to some number a rep gave me. Having said that, there are a number of accounts that are selected for immediate legal collection action. I paid as soon as I got the first collection call but it was too late, it ended up a paid charge-off.

I left my email address on the fax but have had no response. Message 24 of Frequent Contributor. If not do another letter, find out the presidents office address and go at them again. 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.

I think it will be cool. I myself wrote one to Verizon last week for a final bill I forgot about and went to collections a few years ago. Easiest Citibank Store Card to get? I know that payment visit web page my responsibility and I am not attempting to justify this breach of my user agreement. I am writing this letter to respectfully request your consideration in making an adjustment based on the circumstances that caused this single late payment.

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. I am totally confused. First, I gotta construct a hell of a letter. Wow that sucks. Someone different may get the snail mail and do you the favor???

During the time 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 regret that I was unable to honor your request. Message 23 of Moderator Emeritus. However it is article source to the discretion of the company to make any adjustments and the credit bureaus advised me that they will report anything they are instructed.

I hope that Verizon is willing to work with me on erasing this mark from my credit reports. I can certainly appreciate the circumstances that impacted your ability to make payment on your account.

Then find the presidents address. If so, then wait to see who signs for it. I wonder if they'll reply to the snail mail since they've already replied via email.

Re: Easiest Citibank Store Card to get? I became aware of the unpaid balance when I got a phone call from a collector collecting the balance due and I immediately paid. I'm hoping that Verizon will do that in my case for this account. 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.

I got two letters today. Credit counseling companies have decades of history of getting people set up on affordable credit card repayment plans with Citibank. One from Home Depot credit services requesting more info. I haven't received the green card yet either. I have since then enrolled in a repayment plan with automatic withdrawals so the possibility of this reoccurring is slim to none. Maintaining a good reputation with financial institutions is critical.

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 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. Message 25 of Message 26 of Super Contributor. 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 I would endorse Verizon, blah blah blah. I took the template letter from this site and personalized it. Thats what I plan to do with Citibank every month until On the phone with them right now.

I plead that you may help me and take into consideration how good of a customer I have been and will continue to be. 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. Those lates were truly their fault. 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.

I however made the mistake of overlooking the very last payment when I closed the account. I never emailed him but I guess whoever on that email list must have kicked it to him. I'm crossing my fingers for you on the email. I should article source kept better records regarding the account and I take full responsibility.

Creditors like Citi bank use the reference to pre-litigation as an effective tool to get you to agree to make a payment. 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. He removed some other lates for me. It was for like 28 bucks or something! As soon as I became aware of the balance I paid the balance in full. We are required by law to report your payment history accurately to the credit bureaus.

Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I am simply asking Verizon for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I would like to stress https://creditrepair.cam/credit-repair-fes.html the information currently being reported is accurate, I am not disputing anything with Verizon.

I would be eternally appreciative if you would send a request to the credit bureaus to remove this entry. But you never know. But I am on the phone now pouring it on That did'nt work! I am fully aware of the policies on accurate reporting.

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