Mortgage with a second loan going into collections?

Dec 022011
 

If I could not negotiate with my first mortgage co still waiting to see if they will modify my loan meanwhile Citi who had the second part of the 80/20 sent it to a collection agency what do i do now? Especially if my first loan is willing to negotiate a modified loan.

citi card cash payment at atm

Dec 052010
 

my made a cash payment on my citi card using the atm machine and it posted, just to have it reverse a couple of days later! i am flaming MAD! :smileymad: citi says it will redebit me pending an investigation. GRRRRR!!!!! THIS ISNT FAIR! has this happened to anyone?

Has Anyone Had Their Citi Secured Card Unsecure Recently…

Dec 012010
 

My Citi secured card is due to unsecure in March

My CL is 200.00 and I have used the card and paid them about 9k in a little over a year

 

Has anyone had their citi secured card unsecure and if so what was your starting secured credit limit and when it was unsecured what did they increase it to?

 

 

Thanks

What credit card should I go for citi bank or bank of america?

Nov 292010
 

I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why?

Citi settlement help and other stuff.

Nov 102010
 

Hi – I have an old Citi charge off that is reporting at about $8500 – DOFD was around March of 2006.  The balance at that time was about $3500 and over however long it has been, the card gained THAT much interest.  Unbelievable.   I tried settling a few times but they wanted about $2300 and didn’t have it at the time.  I did have a few conversations over the phone and they even offered a $245/month payment plan for a year, but the language in what they faxed over made it sound like the debt wasn’t being fully paid after a year and I did not want to be responsible for the rest.  

 

I know if I settle this my scores will shoot up, as it is reflected in my utilization – currently at 140% whopping percent because of this.  Scores are in the upper 500′s across the board.  I will have the cash to settle in mid-January and just want to go at them the right way. Any advice?  Even on getting a pay for delete? I know they are tough.  I want to call them and do this quickly.  

 

I also have a small medical collection $23 from a hospital for a bill I never received, one other unpaid charge off from Macys for $500 and a Bally’s total fitness $190 collection.  I know I can settle all these accounts mentioned outside Citi fairly easily but want to take care of the Citi charge off first.  Hoping to apply for a car loan next spring.  My AaOA is 11 years and I have 4 current cards that are near 50% utilization – and a capital one secured that has a credit limit above $1000, I play on adding another 1,000 to that in December so I can show lenders I can now handle higher limits.  I have a Dell with a 2k limit.  The rest are First Premier, Orchard and a smaller Capital One.  My payment history on these is about average.  I know the Citi card is bringing the scores down.  

 

Thanks for any help you can provide.  I’ve been reading up on the forums and credit debt for the last few months.  Your intelligent input and advice is helpful.  Made some mistakes when I was younger and ready to get these scores up!!  

Which credit card should I go for citi bank or Bank of America?

Oct 252010
 

What credit card should I go for citi bank or Bank of America? I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or Bank of America. What should I get? I only have one other credit card Wumu. I want a credit card to report that three banks each month. Anyone who has one of these tickets, if so, we? which one do you? like and why? best answer: Thu response by Chocoholic
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