Search the Community

Hello all! This is my first time posting so I apologize if I am in the wrong place. I missed a payment because of a stupid mistake and would like to get a late payment remark removed from my account. I paid off the late payment immediately and was finally getting my credit score up past 700 because of eliminating some utilization. Of course timing is awful and this late payment happened right when I was doing well because of computer error and me failing to double check that I had all my payments in. Now my score is below 640. I want to ask your expert opinions on a goodwill letter I have constructed. From everything that I have heard, Citi is one of the worst places to deal with getting a late payment removed. Calling them provided me with no help in this matter but I did get a late fee waived without having to say anything. Here is my letter: --------------------------------------------------------------------------------------------------------------------- Citibank 701 E 60th Street N Sioux Falls, SD 57104-0432 Regarding: Acct # xxxx-xxxx-xxxx-xxxx Dear Sir or Madam, I am writing to you today regarding my credit card account # xxxx-xxxx-xxxx-xxxx which I have had for only a short time. I originally opened my account with Zales to purchase my fiancée’s engagement ring. I am planning on purchasing our wedding bands through this account with Zales as well. The purpose of my correspondence is to see if you would be willing to give me a second chance and make a "goodwill" adjustment on the reporting of this account to the three credit agencies. I am very happy with the service that you offer and I plan to do business in the future with your company. I have high expectations of myself and I did not start off on the right foot. I missed the first payment of my account mistakenly thinking I had submitted it only to find out later that I had not. At this point I became past due of more than 30 days and a late payment mark was sent to the crediting agencies. My credit limit was also lowered after this occurrence. I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, rather I am only trying to show that this does not reflect my actual credit worthiness. I have never been late on any other accounts in any circumstance which is reflected on my credit report. I am sincerely hoping you might review the conditions under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. As soon as I became aware of the balance I contacted customer service and paid the $156.00 balance in full immediately. I sincerely apologize for this action. As insurance, I have setup automatic payments to be taken from my account in the future. I am in hope to repair my credit in order to purchase a home this year and start my family. This mark is the only thing preventing me from that. I hope that Citibank is willing to work with me on erasing this mark from my credit reports. I sincerely hope that I can repair my status with your company and I look forward to continue working with you! Best Regards, Ferin ------------------------------------------------------------------------------------------------------------- I have never done this before and I tend to apologize too much so I don't want to sound too needy. Is it too early to ask for this removal as I haven't been with them for more than a few months? I also do not have any other citi accounts as my other cards are Chase and my bank is M&T. Please let me know if anyone here has any input! Tough criticism is greatly appreciated.

So here's my story: I was let go from my job in September 2014, where I had a corporate visa through citibank. I accepted another job a few days later, that required a move from GA to FL. Not realizing that citibank corporate cards, and citibank consumer cards were different business units, I thought I had done well when I updated my citibank consumer card and when they affirmed that it would updated all citibank accounts. In October 2014 I paid off what I thought was my remaining balance of $3800. I didn't received any correspondence or calls from citibank, and so I didn't think about them again. Fast forward to January 2015 Things have been going well in FL, and my wife and I decided to buy our first home. My mortgage broker told me I should enable credit monitoring atleast until the mortgage is finalized. This is when it all started. I received a credit monitoring alert on January 18th stating I had a new account, and a 90d late (!!!) I immediately log in and see that my old citibank corporate card is now a new tradeline in my credit report, and that it is showing as 90d late. I call citibank, and am told that I need to speak to a different group of folks that are only open weekdays (1-855-589-6912). I'm not entirely sure who this is, but I suspect it's collections. Having read a great deal on this forum on an old citibank thread from 2011, I call them up, and plead my case. Asking them to make a "goodwill adjustment" to make sure I can still close on my mortgage. The man I speak to seems pretty jaded, and says he doesn't know what that is, and that he can forward my account to a supervisor. I'm told to call back tomorrow. I have otherwise perfect credit, if a short history (I moved from the UK 5 years ago) so that one 90d late dropped my credit score by nearly 80 points (!!!) I know that in the old thread there was a list of citibank e-mail addresses. However, it's from 2011, and I'm thinking most are invalid now. Has anyone had any luck in a case similar to mine in getting a commitment on late removal? What is the best way to deal with this situation? Thanks CICers!

Hello All, I have used this site to repair me and my husbands credit back in 2006 and it allowed us to get our credit in order and actually buy a house. So I am very happy with the info given. I am attempting to do a few “GOODWILL Letters” to Lowes, and The Room place furniture store Credit Cards. Also one to our mortgage company. My husband was hurt on the job and has been off of work since 2009- had to wait on SS to kick in so it affected our income. My question for you all is, since the hits are on both of our credit, should I send the goodwill letters separate or as a couple asking them to remove it? Has anyone tried this? I have searched the board and I only see people doing goodwills individually. I would think it would be a little redundant to send 2 letters? Can you please advice what would be the best procedure for this. Thank you for your time.