Hi I had lost my citi card few months back and requested a new one. They didn't send me one for a long time and as a result I wasnt aware of any payment due on my account. I couldn't even log onto my online account as it was disabled. Final outcome, I got a letter from citi saying my payment is past due, and I went ahead and made the payment in full. I think it's been reported on my credit report as my score has dropped from 720 to 620 (from providianonline). I called citi and they said they can't do anything about it as it's already been reported. This is the first and only derogatory item on my CR and it's not even my fault. I was wondering if anyone can help me out as to how I should proceed to get this removed from my report. Thanks
So you're blaming THEM because YOU didn't make YOUR payment? If I lost ALL of my credit cards today, I'd still be aware that I had payments due on them. If I didn't receive a statement, I'd call them. Could have been worse. Could have been a mortgage statement.
well it's partially my fault. I did make a payment and about 10 calls to them. Unfortunately not only they didn't send me any statements, I was not able to access my account online as my card was reported lost. Everytime I called them, they just said that they're sending a new card. Even the final payment I made, asked to make payment in full, they left 2$ in there as finance charges. Which I luckily found out as I asked them to send me another card. Well am i out of luck here. How long does it take for the score to recover from one item on the report.
