No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@juniornj23 wrote:
And what about the update un credit report how is going to look i really wants this deleted since is a charge off
Even if you have this deleted, it will still be in Citi's system and everytime you apply, it will come up.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
They are required to take a charge-off under federal regs as a procedure to prevent overstatement of receivable assets in their accounting ledger.
It would be inconsistent, and also likely a violation of the federal charge-off regs, to now accept the bad debt back as a receivable asset on another account.
The only hope of credit report deletion would be to either offer a PFD or first pay and pursue a GW deletion.
Try a goodwill deletion since they extended credit to you. I burned Macy's in 2002 and those bums didn't show me love until 2015. You're doing well. Leave no stone unturned.