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CITIBANK goodwill letter SUCCESS!!!

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Established Contributor

CITIBANK goodwill letter SUCCESS!!!

Hi All,

 

Long time member, long time lurker, recently I got a 30+ day ding on my credit from Citibank. I was 37 days late paying my Simplicity card. I have no other negatives on my report, started rebuilding 4-5 years ago and now have over 100k+ in credit. My scores were in the low 700s, dropped all the way down to 585-620 from that (1) 30 day late. 

 

Long story short, I remembered about writing a GW letter. I read online and it seemed like a 50/50 success rate. I took a shot in the dark, sent the emails out, got a call within an hour. Spoke to EO and explained my situation, gave a sob story, offered proof etc...she said give me a week while I check some stuff I'll touch back with you next week. Today I got the call that it will be removed from all (3) bureaus !!!! I am beyond estatic and happy of the outcome. I haven't posted on these forums in quite a while but I wanted to share with yall my story in hopes that it can help someone else down the line. 

 

 

Today: 5/2016 -myFico: EQ: 747 / TU: 750 / EX: 750
Marvel Mastercard ($25k), Blispay ($6k), Amex HHonors ($3k), Chase Marriot Rewards ($5k), Citi Simplicity ($4.6k), Amex BCE ($1k), Discover IT ($1.5k), CapOne Venture ($13k), CapOne Venture ($15k), Barclays Rewards MC ($2.4k), Amazon Store Card ($10k), Chase Slate ($1k), Lexus lease ($5k), Overstock.com ($2.8k)
23 REPLIES 23
Moderator

Re: CITIBANK goodwill letter SUCCESS!!!

Grats to your success Smiley Happy
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 24
Valued Contributor

Re: CITIBANK goodwill letter SUCCESS!!!

Congratulations!!  Very happy for you Smiley Wink

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 12/2019: EX 767 ✦ EQ 734 ✦ TU 757
Current FICO 9s | 12/2019: EX 774 ✦ EQ 775 ✦ TU 766
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 760s


My AAoA: 2.10 years not incl. AU / 3.1 years incl. AU
My AoOA: 6.10 years not incl. AU / 8.10 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 5/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 24
Member

Re: CITIBANK goodwill letter SUCCESS!!!

What letter did you use?

Message 4 of 24
Established Contributor

Re: CITIBANK goodwill letter SUCCESS!!!

I just drafted my own I explained some hardships and just being honest told them I was overwhelmed and just overlooked my account. Honest mistake etc etc. It's already off my reports as of today, took no more than 3 days lol
Today: 5/2016 -myFico: EQ: 747 / TU: 750 / EX: 750
Marvel Mastercard ($25k), Blispay ($6k), Amex HHonors ($3k), Chase Marriot Rewards ($5k), Citi Simplicity ($4.6k), Amex BCE ($1k), Discover IT ($1.5k), CapOne Venture ($13k), CapOne Venture ($15k), Barclays Rewards MC ($2.4k), Amazon Store Card ($10k), Chase Slate ($1k), Lexus lease ($5k), Overstock.com ($2.8k)
Message 5 of 24
Established Contributor

Re: CITIBANK goodwill letter SUCCESS!!!

Screenshot_20190317-110745.png

Today: 5/2016 -myFico: EQ: 747 / TU: 750 / EX: 750
Marvel Mastercard ($25k), Blispay ($6k), Amex HHonors ($3k), Chase Marriot Rewards ($5k), Citi Simplicity ($4.6k), Amex BCE ($1k), Discover IT ($1.5k), CapOne Venture ($13k), CapOne Venture ($15k), Barclays Rewards MC ($2.4k), Amazon Store Card ($10k), Chase Slate ($1k), Lexus lease ($5k), Overstock.com ($2.8k)
Message 6 of 24
Contributor

Re: CITIBANK goodwill letter SUCCESS!!!

Congrats I’m happy this worked for you. I tried to goodwill a 30 day late on a finger hut account with no success but I’m glad it’s working for some of us. 

Message 7 of 24
New Visitor

Re: CITIBANK goodwill letter SUCCESS!!!

Hello and congrats! Would you mind PMing me the email address you used? Thank you in advance!

Message 8 of 24
Regular Contributor

Re: CITIBANK goodwill letter SUCCESS!!!

Congrats that’s awesome! I’ve been trying to get a 30 day late off my fiancé’s credit and they keep saying no Smiley Sad do you mind PMing me the email as well?
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 9 of 24
Member

Re: CITIBANK goodwill letter SUCCESS!!!

Don’t give up!!! Send them a letter a month if you have too. Worked with flagship credit. Since they offer credit for people like me 610 and lower, I figured I didn’t have a shot. December 2017 I had 30 days late, 2 months prior it started. I have been sending them a letter a month since January of 2018. Was approved 6 months later. Worth the wait.
Message 10 of 24
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