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So, I have an Experian and CITI situation at present.
I have a $0 balance on my CITI account and yet they're still reporting almost a $3,000 balance. I asked Experian to investigate and they did. CITI submitted the same balance. I want this to update at $0 so I can get my utilization as low as possible for when I app next month. I did get a letter from CITI that states I have a $0 balance, so my questions for the Experian and CITI gurus are:
1) If CITI gave me a letter, why didn't they just report my $0 balance?
2) What is the quickest way to get this letter to Experian? Maybe fax?
Thanks,
- UM
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@Uncle_Money wrote:So, I have an Experian and CITI situation at present.
I have a $0 balance on my CITI account and yet they're still reporting almost a $3,000 balance. I asked Experian to investigate and they did. CITI submitted the same balance. I want this to update at $0 so I can get my utilization as low as possible for when I app next month. I did get a letter from CITI that states I have a $0 balance, so my questions for the Experian and CITI gurus are:
1) If CITI gave me a letter, why didn't they just report my $0 balance?
2) What is the quickest way to get this letter to Experian? Maybe fax?
Thanks,
- UM
I will bet dollars to donuts that EX never verified that balance with Citi. They verified it with E-OSCAR which is meaningless. You need to file a written dispute and attach a copy of your letter to it. That should do the trick.