Here's my story,
problem- citimortgauge has attached a statement to my credit file stating I am on a partial payment plan and tanked my credit score. see below.
Mortgage Account Citimortgage
Status as of [?] Aug, 2009 Date opened [?] Apr, 2004 Date of last activity [?] Jul, 2009 Date paid out [?] Not Reported Date closed [?] Not Reported Account number [?] X Loan type [?] Conventional Real Estate Mortgage Credit limit [?] Not Reported Largest past balance [?] $159,750 Terms [?] 360 Monthly Account Type [?] Mortgage Account Account holder [?] Individual Account Scheduled payment amount [?] $1,280
Descriptions [?]
- Paying partial payment agreement
Balance [?] Current Status [?] Past Due Amount [?] $147,741 Paid or paying as agreed $0 Seven year payment history [?]
30 days late 0 times
60 days late 0 times
90+ days late 0 times Recent payment history
[?]
8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 2007 2008 2009 Legend: 
Unknown 
Currently paid as agreed Worst Delinquency [?]
8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 2007 2008 2009 Legend: Unknown Currently paid as agreed Worst Delinquency [?]Paid or paying as agreed
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
here's the whole story, back in june I contacted citi about a loan mod and had them send me the paper work. I decided I did not want to have a loan mod done, in the meantime they attached this statement to my credit file and cost me a 150 points.
since then I have talked to over 40 people at citi to get this removed and to have me dropped from the loan mod program. They all swear the problem is solved, but it,s not, I am still in the program even given the fact I have never given them any paper work.
I HAVE NEVER BEEN ON A PARTIAL PAYMENT PLAN AND I HAVE ALWAYS PAID THE FULL AMOUNT ON TIME.
I have disputed this 3 times and citi has updated the account twice and done a internal investigation and agree with me.
I am at a loose as to what to do next, I would prefer to get a lawyer to fix it at this point.
Any suggestions?
