I am in the beginning phases to repair my credit. I sent on validation to one ca and it was removed from my cr. Now i am trying to remove a charge off from citifinancial(disputed twice and came back as verified), and trying to remove late payments from citibank(also disputed twice and came back as verified). With citibank i entered a payment plan in 2005 to get my balance down because I refused to pay the bill when they did not take off charges when my card was stolen after i followed "their" procedure to dispute charges.I am thinking about sending citifinancial a letter to settle that account the account balance is 2701, would like for listing to be deleted. Any advice? Thanks in advance!!
It's very unlikely that the OC will remove the tradeline. You may be able to bargain with them to have the lates removed. Why dont you settle out the citifi account?
Do you have any documentation regarding the stolen card and fruadulent charges? If so, then I would say you have a strong positon to negotiate removal of these negative items. If you did follow Citi's dispute procedure, then they may be at fault. I think your case is one where you need to be persistent, and keep trying until you speak with the appropriate person at Citi who can correct this situation. I would call every "800" number listed, and keep asking to speak to the appropriate person. Once you explian the sitaution, you can probably get these items taken care of.
I dont have copies of the documentation i sent for the dispute.what would be a good amount to settle with citifinicial for charge off of 2701 i was thinking og mailing a settle for deletion letter. I think 750 would be good offer. need advice!!!
When you disputed it on the Citi credit card did you say "dispute" or fraudulent charges made due to card being lost or stolen (keep in mind to say fraudulent charges you must sign an affidavit stating you know nothing about how these charges came about) if you said "dispute" they might have thought you couldn't resolve a dispute between you and a merchant over something you purchased causing the wrong paper work to be sent out to you and in turn not getting this resolved or handled the way it needed to be.
the form was to report the fraudulent charges. i sent in affidavit saying the charges were not made by me.
