Ok everybody, this is my problem, i posted about getting a motorcycle loan.... well they ran it through, and it came back DENIED. Reason for is because of a CC card by the name of ASSOCIATES VISA which i applied back in 99 in my freshman year in college. Well its now marked as a DEROG from them and it was closed by the CREDIT GRANTOR (associates visa) with a 60+90 Day late, but it was paid in full by me. So i paid it off, but the 60+90 day late and on my report it says "Closed by credit grantor" The financing dept. of the loan company, said, if i can get a letter stating it was an error or saying they will dismiss the lates(basically delete it) they will considerably reavulate the loan. Now how should i do this? Should i call the ASSOCIATES VISA dept? i think its owned by CITIBANK now, so who do i call? and would anybody have the number to call or fax? Also, im clueless in what to write! should i say im buying a house? and that i need this deleted because it is affecting me badly? Also, i noticed that its owned by Citibank, which means that i now have a CC with them, and was basically approved by them, even with that DEROG from ASSOCIATES from the past! i just got the AT&T platinum mastercard last year that is by CITIBANK. Can i say, "look, i apologize for the late payments,i was going through alot of things at the time, and this is the only thing on my report that is very badly affecting me from purchasing automobile and a house. Recently i was accepted and given a limit of $2000 from AT&T from last year that was approved by citibank which is now you guys! If you check my record with the AT&T/Citibank card. i have a good standing with that credit card.'??????????? this is just a quick note, but of course i would touch it up! So can i say something like that? or what would you say? thanks
have you tried disputing this TL with the CRA? it may take 30 days to get a responce and it may not come off first try but it just may. I have success with 4 old account just disputing with the CRA
Not yet, and im planning to do so tomorrow first thing, but how do i bring it up? how do i start the conversation? im new to this and im not really a good BS'er, so if you can help me out on a format on how i should say this for them to erase it! thanks.
Nice name Venomized LOL! aroooo - call them and tell them the truth. They'll help you get the motorcycle loan if you ask them no bullshit - tell them what you stated here - if you get a SNOTTY REP - hang up and call back. Let us know your progress - dogman
