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New Contributor
tcham54687
Posts: 63
Registered: ‎05-01-2008

Help! Citibank Dilemma

[ Edited ]
Here's the situation. I had two accounts with Citibank. One was a Shell gas card(see sig) and the other was a Citibank CC. I paid off the Shell card in 2003, but unfortunately when I sent the final payment it didn't include $2 additional interest for that month. Thinking they were paid in full and I was done with them I never opened anymore of the mail they sent me. Well, the $2 incurred a $29 dollar late fee and they closed the account, but continued to report it as closed/currently 60+days past due/2 thirty day lates(very bad TL). 
 
I GW'd them on 8 May and received a response today that they have directed the CRAs to delete the account from my report....Yeah!
 
The dilemma is that on the other account which only has one 30day late from July 2003 they are asking that I provide a full credit report pulled in the last thirty days and a letter explaining the problem with the TL. I'm not disputing, just a GW.
 
I have two questions. First, Why would they need my credit report to see information they already have access to? Second, is having a 5 year old baddie really worth the trouble and risk of providing them my credit report?
 
Third question. What would you do?


Message Edited by tcham54687 on 05-19-2008 05:55 PM

Message Edited by tcham54687 on 05-19-2008 05:56 PM
APR 25, 2008 FICO TU:668/EX:654/EQ:642
Jun 05, 2008 FICO TU:698/EX:697/EQ:709
Aug 01, 2008 FICO TU:724/EX:741/EQ:749
Mar 15, 2013 Fico TU 725/EX 677/EQ/735 (EX has a $60 collection...#$%^ me)
Apr 7, 2013 FICO TU 756/EX 747/EQ 771
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007

Re: Help! Citibank Dilemma

If it is a single 30 day late from 5 years ago, I wouldn't bother.
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New Contributor
tcham54687
Posts: 63
Registered: ‎05-01-2008

Re: Help! Citibank Dilemma

[ Edited ]
I think you're right. I'm so focused on eliminating baddies that I needed an unbiased opinion. So my GWs that I submitted in the last two weeks have produced the following results:
 
1) Cap 1 = deleted
2) Cap 1 = updated to remove baddies...now reporting no lates
3) Shell/Citibank = deleted
4) Citibank CC= wants more info. I'm not pursuing it.
5) Mazda Credit= No change yet
 
I had my doubts but this stuff really works.


Message Edited by tcham54687 on 05-19-2008 09:12 PM
APR 25, 2008 FICO TU:668/EX:654/EQ:642
Jun 05, 2008 FICO TU:698/EX:697/EQ:709
Aug 01, 2008 FICO TU:724/EX:741/EQ:749
Mar 15, 2013 Fico TU 725/EX 677/EQ/735 (EX has a $60 collection...#$%^ me)
Apr 7, 2013 FICO TU 756/EX 747/EQ 771

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