Score goes up and down average of 20 points

[Anonymous]

For the last two years that I've been in Iraq I have work very hard to rebuild my credit..  I had an account with CITI that was settle in full via a conditionally endorsed check.  The terms were that once the check was cashed they would agree to remove the derogatory information.  It has been over 6 months and nothing has been done.  They had also the choice to return the check if they did not agree with the terms.  What can I do??? I have a couple more accounts that have 1 30 day late.  Does good will letters actually work??? Any experiences.  My current scores are in the range of 680-700.....

[MarineVietVet]

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@Anonymous wrote:

For the last two years that I've been in Iraq I have work very hard to rebuild my credit..  I had an account with CITI that was settle in full via a conditionally endorsed check.  The terms were that once the check was cashed they would agree to remove the derogatory information.  It has been over 6 months and nothing has been done.  They had also the choice to return the check if they did not agree with the terms.  What can I do??? I have a couple more accounts that have 1 30 day late.  Does good will letters actually work??? Any experiences.  My current scores are in the range of 680-700.....

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Welcome to the forums.

First of all thank you for your service. I know what it feels like to be far from home.

Was your agreement with Citi in writing? If not then your options are very limited. If you do have something in writing contact them with a copy of the agreement reminding them of what they were supposed to do.

How old are those 30 day lates? After several years the impact of a 30 day late diminishes quite a bit but I understand about wanting to get everything deleted. GW letters do work but it sometimes takes persistence. If you don't mind saying who the creditors are you might get someone to tell you their experiences with that particular company.

Good luck to you and stay safe!

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[Anonymous]

The agreement is in writing.  The companies are: CITI, Dell Financial Services and HSBC.  Currently my CC debt is a giant goose egg, 2 installment loans and 1 Mortgage.

[MarineVietVet]

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@Anonymous wrote:

The agreement is in writing.  The companies are: CITI, Dell Financial Services and HSBC.  Currently my CC debt is a giant goose egg, 2 installment loans and 1 Mortgage.

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Then I would send a copy of that letter to them reminding them of what they agreed to do.

And congratulations on no CC debt!!!

[Anonymous]

Never felt so good.  The only thing I would like to do is to remove those blemisshes and it will perfect.

TU=702

EQ-689

EXP=713

This is with three 30 day late and one 60 day a little over two years ago.

[MarineVietVet]

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@Anonymous wrote:

Never felt so good.  The only thing I would like to do is to remove those blemisshes and it will perfect.

TU=702

EQ-689

EXP=693

This is with three 30 day late and one 60 day a little over two years ago.

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I noticed you posted three scores. May I will ask where you got your scores? No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true EQ and TU FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Transunion score at www.transunioncs.com. I've been told you can buy your EQ FICO at www.equifax.com but they certainly don't make it easy to find.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[Anonymous]

TU and Equifax I pulled them through here, Experian was through www.freecreditreport.com.