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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 co
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
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