Hi folk. First, y'all are awesome! I hadn't looked at my credit in about 6 yrs, but just in the past 2 months, I've brought it up around 60 pts.
My question: In 2010, after having a perfect payment history on my first and second mortg with Citi, life happened. I called (without being late) and asked for a month grace or a modification (my now ex had left and his 100k salary went with him). The mortgages were only in my name. I was given no options and I fell into a deep hole. Needless to say, my home went into foreclosure and eventually turned over to Seterus and then sold. My second mortg was charged off. All 3 accounts show a zero balance on my reports. They are set to fall off next May (5/17).
My question: Do I try a goodwell letter to Citi and ask for early recall from them? Is that even possible? Or do I just wait it out?
Thank you so much for all your input!
