we have our mortgage with citifinacial mortgage. it has been bought and sold between them and citibank and citi mortgage for the past year and a half. citibank and citimortgage show on all three bureaus for the time they were servicing them. we accidently had a 30 dday late with citibank which i tried to goodwill to no avail. as soon as i did that our current servicer citifinancial mortgage quit reporting to all three bureaus. when questioned as to why the blamed it on they system not being able to report. they offer to send me hard copy of payment history which does not help build my credit/ raise score at all. does annyone else have their mortgage with citifincial mortgage and if so do they report? also is there any way to force/coerce them it to reporting this account as it should help my score? thanks in advance long time reader not oft poster griffiti
I had a mortgage through them and their reporting DOES leave much to be desired. We paid off the house in October of 2001 when it was sold. As of December 2002, they were still reporting a balance! You can't really force someone to report but if they DO choose to report- they are held to the fact that the information they are reporting has to be accurate- which is not the case here. You could try disputing the balance etc with the CRAs but the run a BIG risk of having the entire TL deleted- this is what happened with our Citifinancial TLs. Probably a good thing because we had a lot of late pays. You need some "expert" advice on this one- hopefully when this bumps someone will see it!
we have 2 1/2 years with the and except for the once late it has all been paid as agreed. we also have prepay penalty which expires in june at which time we'll refi it seems once i disputed the late pay with citibank is when citifinacial mortgage quit reporting. its almost like the are tring to keep my credit down any way they can
