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    <title>topic Re: Citibank Student loans killing me in General Credit Topics</title>
    <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Citibank-Student-loans-killing-me/m-p/31951#M23654</link>
    <description>&lt;DIV&gt;You can try a GoodWill letter to Citibank.&amp;nbsp;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;It sucks, I know trust me.&amp;nbsp;&amp;nbsp; Welcome to student loan hell,&amp;nbsp;&amp;nbsp; at least you didn't default your's like I did which isn't much better than BK in my opionion.&lt;/DIV&gt;</description>
    <pubDate>Thu, 12 Jul 2007 17:53:57 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2007-07-12T17:53:57Z</dc:date>
    <item>
      <title>Citibank Student loans killing me</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Citibank-Student-loans-killing-me/m-p/31947#M23651</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;What do I need to go to get my paid off Citibank student loans late pays removed. I consolidated them sometime ago &amp;amp; they are now all paid off.&amp;nbsp;This is killing as I now I have 6 different loans - 60 total late pay 90 +.&amp;nbsp; My merge report now shows last del 08/2003 - 60 incidents.&amp;nbsp; This is killing me. They are all paid off. I keep asking them to change it but they keep writing me back stating I'm not providing enough information and do nothing.&amp;nbsp;This is is showing on my report &amp;amp; its killing my&amp;nbsp;deliquent&amp;nbsp;status.&amp;nbsp; Please advise.&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Account Name/Number (Bureau Reporting) Past Due Last Dlq&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;P&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;Type Open High Pymt Balance MOP Status Rptd 30 60 90+ MR &lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;CITIBANK/XX002 (EFX+-405BB02898) SUBJECT&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;I 09-1994&amp;nbsp;&amp;nbsp; 5500&amp;nbsp;&amp;nbsp;&amp;nbsp; 0 0 1-1&amp;nbsp;&amp;nbsp;&amp;nbsp;Current 06-2007&amp;nbsp;&amp;nbsp; 00 00 10&amp;nbsp;&amp;nbsp; 99 11-2002&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Hist:05-2007 CCCCCCCCCCCCCCCCCCCCCCCC LACT 03-2003&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;Ctgy: Term:0 Lmt:0&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/FONT&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Consumer disputes - reinvestigation in progress&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;CITIBANK/XX00l (EFX+-405BB02898) SUBJECT&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;I 06-1993 5500 0 0 1-1 Current 05-2007 00 00 10 99 11-2002&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Hist: 04-2007 CCCCCCCCCCCCCCCCCCCCCCCC LACT 03-2003&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;Ctgy: Term;0 Lmt:0&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;&lt;/FONT&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;CITIBABANKK/XX020 (EFX+-405BB02898) SUBJECT&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;I 05-1995 2750 0 0 1-1 Current 05-2007 00 00 10 95 11-2002&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Hist:04-2007 CCCCCCCCCCCCCCCCCCCCCCCC LACT 03-2003&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;Ctgy: Tertn:0 Lmt:0&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;&lt;/FONT&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;CITIBANK N A/XX002 (XPNt-1121750,TUC) SUBJECT&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;I 09-1994 5500 0 0 1-1 Current 04-2003 01 00 10 99 12-2002&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Eist:04-2003 -CCCGG66S33CCCCCCCCS331 LACT 03-2003&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Ctgy&lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;tudent loan Term:120 Lmt:0 &lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Closed&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Account closed due to transfer or refinance, &lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;Account closed on 04-2003&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;&lt;/FONT&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;CITIBANK N A/XX020 (XPN+-1121750,TUC) SUBJECT&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;I 05-1995 2750 0 0 1-1 Current 04-2003 01 00 10 96 12-2002&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Hist;04-2003 -CCC6666533-CCCCCCCC533X LACT 03-2003&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Ctgy&lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;tudent loan Term:120 Lmt:0&amp;nbsp; &lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Closed&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Account closed due to transfer or refinance&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;Account closed on 04-2003&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;&lt;/FONT&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;CITIBM1C N A/XX001 (XPN+-l121750,TUC) SUBJECT&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;I 06-1993 5500 0 0 1-1 Current 04-2003 01 00 10 99 12-2002&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Hist:04-2003 -CCC6666533-CCCCCCCCS331 LACT 03-2003&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Ctgy&lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;tudent loan Term:l20 Lmt;0 &lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Closed&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="3"&gt;&lt;FONT color="#000000"&gt;&lt;FONT face="Times New Roman"&gt;Account closed due to transfer or refinance &lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;FONT size="3" face="Times New Roman" color="#000000"&gt;Account closed on 04-2003&lt;/FONT&gt;&lt;/P&gt;&lt;/DIV&gt;</description>
      <pubDate>Thu, 12 Jul 2007 17:45:38 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Citibank-Student-loans-killing-me/m-p/31947#M23651</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-07-12T17:45:38Z</dc:date>
    </item>
    <item>
      <title>Re: Citibank Student loans killing me</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Citibank-Student-loans-killing-me/m-p/31951#M23654</link>
      <description>&lt;DIV&gt;You can try a GoodWill letter to Citibank.&amp;nbsp;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;It sucks, I know trust me.&amp;nbsp;&amp;nbsp; Welcome to student loan hell,&amp;nbsp;&amp;nbsp; at least you didn't default your's like I did which isn't much better than BK in my opionion.&lt;/DIV&gt;</description>
      <pubDate>Thu, 12 Jul 2007 17:53:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Citibank-Student-loans-killing-me/m-p/31951#M23654</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-07-12T17:53:57Z</dc:date>
    </item>
    <item>
      <title>Re: Citibank Student loans killing me</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Citibank-Student-loans-killing-me/m-p/31957#M23659</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;Kim see the post below by Rifleman "Courtesy Clear for student loans"&amp;nbsp; it is posted today...&lt;/DIV&gt;&lt;DIV&gt;Maybe you can call and ask for this.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;The post is on the message board&amp;nbsp; "Courtesy Credit Clear" for students&lt;/DIV&gt;&lt;BR /&gt;&lt;BR /&gt;Message Edited by myhearts07 on &lt;SPAN class="date_text"&gt;07-12-2007&lt;/SPAN&gt; &lt;SPAN class="time_text"&gt;11:09 AM&lt;/SPAN&gt;</description>
      <pubDate>Thu, 12 Jul 2007 18:09:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Citibank-Student-loans-killing-me/m-p/31957#M23659</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-07-12T18:09:41Z</dc:date>
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