10-19-2012 09:49 AM - edited 10-19-2012 09:55 AM
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.
10-19-2012 03:19 PM
10-19-2012 03:40 PM
10-19-2012 03:42 PM
-98% of utilization... dam. xP
10-19-2012 05:16 PM
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.
10-19-2012 07:08 PM
10-19-2012 08:00 PM
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.
10-19-2012 08:32 PM
OP I hope that you get your CL back. Sorry they put you thru this mess. That sucks.
10-22-2012 09:14 AM
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
10-30-2012 12:16 PM
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...
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.