Give this nice lady a call. (six)o5-73!-3246 [pm me if you can't read that.]
Explain your situation. Hopefully she will be able to help. Be ready to make your case before you call. Speak confidently and clearly. Don't ramble too much, but at the same time say what needs to be said. Explain that you have tried all other channels.
-98% of utilization... dam. xP
I feel your pain.
I have been working to get my credit score up for a few years and finally have a good score and then some dirtbags toss some bill on my report that was supposefly from 1995 or so and took my score down 100 points.
I came by here and got some info about 'first date of deliquency' and mentioned that to the collection agency (whom I made sure to never say the debts were mine because they, nor I, can prove that they actually were...some of my dads old bill tried to follow me around for some time after he died because we have the same exact name).
Anyway, they backed off immediately and got it off my report and my score returned to normal the next month.
Just an update: I did get a call from the EO just before the close of business today and was told it was sent over to a different office for review. I always assumed the EO was the highest office but not wanting to rock the boat, I just thanked her for the call and I guess I'll wait. Did just log into the account and the CL is still $300.
OP I hope that you get your CL back. Sorry they put you thru this mess. That sucks.
Update: Still waiting for a return call from the XO, but did get a CLI-Denied notice in my account yesterday .....so who knows whats happening
FINAL word today from XO: Citi will NOT reinstate my credit line, something about a new "equation" they use. I'll be getting a letter in the mail. Abosolutely nothing else I can do . . at least thats what I was told...