Recently looking at my credit report I saw that 3 Citiassist loans I have, have been charged off in 2009 when they should have been deferred with the rest of my Citiassist loans because I was in school then and still in school. I have gotten a letter from my school stating I have been a student since before the loans went into charged off status and I wanted to know is it worth is to mail this letter to Citi even though it is listed as charged off? What recourse do I have? Like I said they never contacted me, no collection notices or nothing. The only reason I noticed it because I clicked into all my individual loans and saw that the three were charged off as bad debt.
Starting Score: 624