SugarNspice Posted April 5, 2007 Report Share Posted April 5, 2007 I had a citicard cc that I was behind on payments and was overlimit. My CL was $700. I entered a hardship program and payed off the card. They ended up closing my account. A few months ago I disputed all the lates I had on that card and they updated to a "never late" status. I'm interested in reopening this account as soon as my scores go up a little more. My scores are transunion 603, Experian 527, Equifax 610. What do you think my chances are for this? Link to comment Share on other sites More sharing options...
americandrmx10 Posted April 6, 2007 Report Share Posted April 6, 2007 I don't have an answer for you, but I do have a question, lol.How long in between completing the hardship program & then disputing the lates? I'm in the same boat (except its not paid off yet) Link to comment Share on other sites More sharing options...
SugarNspice Posted April 6, 2007 Author Report Share Posted April 6, 2007 I did it 3 years later but I wouldnt wait that long. I would wait til u have atleast 6 months of on time payments if not a little longer and then send a goodwill letter. Link to comment Share on other sites More sharing options...
americandrmx10 Posted April 6, 2007 Report Share Posted April 6, 2007 so send a goodwill letter while I'm still in the hardship program? Link to comment Share on other sites More sharing options...
SugarNspice Posted April 6, 2007 Author Report Share Posted April 6, 2007 After you finish the hardship program Link to comment Share on other sites More sharing options...
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