inochi

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10 Good

About inochi

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    Newbie

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  • Location
    California
  1. IMHO it is worth it if you cannot pay that balance relatively fast. If you are going to take 18 months to pay that off and you are saying $171 is less than 3 months interest then that is over $1000 in interest in that 18 months. Saving that $1000 is worth more to me than a couple points off my credit score. Again I am sure there are people who value a couple points over $1000. I am not one of them.
  2. I am not 100% certain, but I was pre approved about a year ago as well. Took the offer and I did not see a hard inquiry on my credit report. Again that was a year ago and I could be completely wrong.
  3. Thanks for posting this article. I am hoping to get a new car in the next few months and that was priceless information.
  4. inochi

    How to Approach a Negative on an Open Account

    Will this work on a closed account as well?
  5. Congrats! I hope to follow in your footsteps.
  6. inochi

    Negative Closed Account - Am I out of luck?

    Oh and I forgot to mention some valuable information. I had paid off the debt a couple months after (again over 4 years ago). So I do not have outstanding debt, but there is a negative mark on my credit report due to it.
  7. inochi

    Negative Closed Account - Am I out of luck?

    So I am new to all of this. I am not truly aware of what statue of limitations meant so I looked it up. I am in California and it states SOL is 4 years, which this negative credit mark is past. I will try to write goodwill letters to Citibank. I saw another thread all about goodwill letters sent to Citibank so I will see if I can get information from there. Thank you
  8. Hi, I am a new member here and found it as I was googling ways to repair my credit. Well for the past couple years I have been trying to repair my credit and currently I have one negative closed account from Citibank. It was a credit card I had in college which TBH I was being irresponsible with. Now I am looking to fix my credit and was looking through this forum for some advice. I know my chances of removing this off my credit report is slim, but it is even more slim that it is on a closed account? It's been closed now for 4 years. Thanks in advance
  9. inochi

    Goodwill letter to Citibank

    Hi, I am new to this forum, but am in a similar situation with a closed citibank credit card. strive4credit, can you please PM contacts on who I can email? Thanks in advance.