Citi still hanging around TU…

Sep 072010
 

Hey gang,

 

Shot off a GW back in June for my Citibank card. (9 years with them, two 60s back in 2009, caught up, and they closed the card due to inactivity 6 months later…) and they sent back a letter saying they’d delete the tradeline for me. I was fine with that, b/c my AAoA is strong enough. The letter said to allow 30 days, and listed all three CBs with their contact information to confirm which bureaus they’d be deleting from.

 

6 weeks later, it was gone from EX and EQ….but still hanging on my TU. I sent a copy of their letter along with a follow-up thanking them profusely and mentioning that it was still on TU. They replied with the same form letter they sent previously, with a different manager noted. It also asks for 30 days again.

 

I pull freely on CCT, and it’s still there. (I got this most recent letter about 2 weeks ago.)

 

What should if I do if another month goes by and it’s still stubbornly hanging on? My EQ score is way higher (see siggy) than my TU, and the only difference is this one account – so needless to say, I want it to go away!

 

I’m not sure if there’s anything I really can do, just curious if anyone had any other advice…Citi has been awesome working with me, so I hate to be a whiner when they’re doing me a solid!

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Midland Credit Management dropped from EXP

Jul 242010
 

I had a collection account from Midland that was showing up on all three credit reports.  Suddenly last week, my Experian FAKO score jumped 20 points up and the only difference was that the Midland account was no longer showing on my Experian report.  It is still posted on on EQ and TU. 

 

I disputed this with all three bureaus in June and they all came back as verified as mine.  I just sent a DV letter to Midland two weeks ago with no reply .  Is the EXP drop a mistake?  Can it come back on to the EXP report later?  I am hoping that the DV caused the change on EXP and that EQ and TU are going to drop Midland too.  Any thoughts?