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Citi-Goodwill Success


Citi-Goodwill Success

Good news after checking up on my Capital One free credit report today.


After falling up to 120 days behind for several months back in 2015 after getting hurt at work, and catching up and still current now......Citi finally removed 9 months of late payments from 2015. After a year plus of sending goodwill letters, especially to their corporate office, and getting some of my letters returned to me telling they will stop opening mail from my return address....I used the saturation technique finally and sent them to every Citi address I could find including their NewYork corporate address. So I cannot tell for sure what address worked. 


It feels good to finally get this one done, now only if I can crack Capital One for the same time frame. I thought Capital One would be easy considering they never closed my cards when I fell behind, I am current and back to using them again. So we'll see after round 4 of Capital One letters go out this week.


Message 1 of 10
Frequent Contributor

Re: Citi-Goodwill Success

Amazing.  Perfect example of how persistence pays off.   Great Job and Congrats!   

Any idea of what effect the removal of the late pays have had on your scores? 

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

Starting Score:   09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current Score:  10/28/2018: EX 778 ✦ EQ 782 ✦ TU 768 (missing account)
Goal Score:   800's

Take the myFICO Fitness Challenge

My AAOA 3.3 years
My Lone Baddie: 4.8 Year Old First Premier Charge-Off (PIF)

Tending to my Garden til November 1, 2019

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 2 of 10
New Contributor

Re: Citi-Goodwill Success

Many many congratulations,


Can you message me those addresses you used. I am trying to get a charge off removed. Thanks

Message 3 of 10

Re: Citi-Goodwill Success

good job

"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 4 of 10
Established Member

Re: Citi-Goodwill Success

Hi and congrat on the goodwill letter for citi bank.


I'm trying to send goodwill letter to citibank also, can you give me an example of your letter that works.



US Bank Secured Card: $1000
Cap 1: $500
Black list on the rest.
Message 5 of 10
Frequent Contributor

Re: Citi-Goodwill Success

Congrats ! Just had to say...this post made me laugh once I got to "they said they would stop opening mail with my return address ". Shows how persistent you were LOL GOOD JOB! 👏👏👍

"As only New Yorkers know, if you can get through the twilight, you’ll live through the night"
Message 6 of 10
Regular Contributor

Re: Citi-Goodwill Success

Well done and well-deserved! Smiley Happy

Message 7 of 10
Senior Contributor

Re: Citi-Goodwill Success

Congratulations, OP!

Gardening until...

Message 8 of 10
Frequent Contributor

Re: Citi-Goodwill Success

This is awesome and congrats! I always get their generic letter back for a 30 day late so this gives me hope that one day it could happen.

Starting Score-(01/2017): FICO ||EX:575--EQ:549--TU:588||
Current Score--(04/2018): FICO ||EX:686--EQ:697--TU:715||

Message 9 of 10

Re: Citi-Goodwill Success

Thank you, everyone. I just sent out another round to CapOne so hopefully, that will change also. As for addresses, just Google  CitiBank address. I don't remember them off hand and don't have them written down anymore now. 

Message 10 of 10