Report Goodwill letter to Citibank / Zales help! in Credit Repair Posted February 20, 2015 Yeah I understand that it will fade away over time but I am 24 and looking to get a house within the next year or so. Also in between the time I sent the letter and received a response I had to get an auto loan for a used car as my engine died in my old car. So now I am in an even tighter situation and was hoping that someone could shed some personal experience that they have had with Citi Bank/Zales. I really would like to continue to pursue this issue and not give up as it would help me immensely to get this 1 bad remark removed. Please share if anyone has any tips! Thanks so much!