Mortgage and Insurance

Hi Again Everyone,

 

As you have seen by my other threads I’ve been cleaning up my score.  Reports are looking pretty clean and accurate.  However, I have one account that is standing out like a sore thumb.   It’s a citifinancial account that had some screwy payment stuff when I switched from writing them checks to making electronic payments. 

 

 When this had happened I called and worked with them to clear up the accounting and made a double payment.  to “catch up”  After which the electonic payment went through and everything was ahead, or so I thought.  Apparently they counted the double payment as 1 payment or something….. I can’t exactly figure out what math they were using.  I’m thinking the Mayan calendar.

 

 I had called earlier in my cleanup process and was told nope cant remove the late payment entries.  I sent a GW letter with no luck.  I finally got around to going through all of my bank records and put together the payments I made.  It’s nothing like what they are saying.  I have a payment to them every month with the exception of the double payment month, and even then if they applied the next payments to the previous month it should be showing multiple 30 days late, until the time I made two separate payments.

 

So worst case I figured it out.  If they are mean, it should be 10 – 30 day lates while the whole accounting thing was being worked out.  However they are listing 11 – 30s, 3- 60s, and one 90 day late. 

 

I’m thinking a good will letter asking for them to correct the error.  Play dumb and say Look I have records that you were paid every month with the one exception and it looks like two payments were accidentally counted as one, can you please remove the lates from my credit reports or something like that. 

 

Any other thoughts on how to proceed would be greatly appreciated though,

 

Thanks again,

 

A