 I had my car repossesed back in 2001, How can I get this off of my credit report?without filing for bankruptcy |
A friend told me that he wrote a letter to the credit agency, and they removed his repossesion from his report. Is there a time frame before this can be done? Separate question...
Also...My ... |
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 Is it true that when you pay off old collections it harms your credit score instead of helping it? |
| or if you settle instead of paying in full it also harms your credit score. The reason I ask is because I want to buy a house with out having a co-signer and my credit is in bad shape right now but I ... |
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 I have a Auto loan which they charged me 21.50% interest rate I guess due to my credit. Is that too high? |
| I recently had my car repossessed due to non-payment bcause I was very sick. I am trying to refinance to get another vehicle and possibly lower monthly payments. I currently paid $498 a month in ... |
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 How can you find out if there is a warrant out for your arrest? |
| I currently live overseas, and have unpaid credit cards/loans/ and bank overdrafts outstanding in the UK. I have not had any contact regarding this since leaving the UK. I need to return to the UK ... |
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 I'm self-conscious of how much credit card debt I have...Do I have too much debt? |
| I'm 25 yrs old, college graduate, I make approx. $45K gross income between 2 jobs(full-time job and part-time waitressing gig). I always pay my bills on time and I try to keep my Fico score up, ... |
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 I have 1800 in credit ard debt? |
| I WANT TO PAY IT ALL OFF BY 2011 SO THAT I CAN BUY A HOUSE. HOW CAN I DO THAT?... |
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 Can we stand as guarantors for our son in law who has a bad credit rating to buy a new car? |
| He needs to change his car but cant get a loan as he has a bad credit rating,we have a good credit rating but my husband feels it may affect our chances of getting a loan.Is there any way we could ... |
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 What is the best way to get rid of debt at credit cards? |
| I have credit available filled up, coz I had to pay for college.... |
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 Free credit report? |
| does any one know a free credit report service that does not have any hidden charges?... |
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 Can i get a credit card as i am 19 yrs old & salaried? |
Additional Details
can i get a credit card as i am 19 yrs old & salaried & Indian Citizen? I'll check with many bank please help me.... |
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 I can't get a credit card because I have no credit history. What can I do? |
| I'm 21, always pay my bills, have a steady job and go to school. I just want to build my credit but no one will give me the opportunity. Any suggestions, hopefully from someone who knows about ... |
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 Should I cancel credit card? |
| As of now I have 4 Credit cards. 1 secured card(where I had to put a down payemt of 200 dollars down to help build my credit. 1 capital one 1 hsbc. They are all mastercards. The 2 other cards have ... |
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 Do debts go away after 7 years? |
| I work for the USAF and was tracked down by a law firm representing capital one. They are demanding money for a debt from almost 7 years ago. She claimed that since I cannot pay them that they will ... |
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 Where can i find a loan for people with bad credit? |
Additional Details
i need the loan to pay off my debt and other billsi have tried applying with other company but no one will approved it my credit isnt all that great like 550... |
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 Why do schools not teach a consumer/credit understanding class? |
| I think this should be given in all highschools , all 4 years make it mandatory ,,, just as important as English , Math , Science,etc.. since understanding money , and credit is only learned now by ... |
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 Me and my finacee are trying to buy a house. We both have credit scores around 530. Anyone have any ideas? |
| We keep getting turned down over and over, surely there is someone who will finance us, we make the money, but our credit sucks. Please ... |
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 Credit Questions? |
| Okay so my credit isn't the greatest and I am working on improving it. My question is this, how am I supposed to improve my credit if no one will GIVE me any?? It's really frustrating any ... |
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 I owe on a 30 year home loan 250,000. What is the easiest way to pay it down? |
| I know of the sure fire way which is add to the principal each month, however, any other solutions? I would like to pay it off in 15 to 20 years.... |
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Mimi | How do I cancel my credit card with Citibank? |
I don't understand how or why it is so difficult.
I have this citibank credit card that I signed up for about 5 years ago, I have no idea what security code I used when I signed up. So when I called them to cancel, they told me I couldn't because I wasn't "guessing" the correct security answer. Then I asked if I go to the banking center in person, will they cancel it, and they said yes. I go there in person, and they say that I have to call.
Mind you, I haven't used this card in 2.5 months now. The card itself expired, and they sent me a new one, which I have not activated.
What can I do, who can I speak to. What do I tell them to get them to stop giving me the run around? Anyone who works at a bank, please, please help me out.
Additional Details
I don't owe anything for the card, as I haven't used it since Ii thought I paid everything off. I only owe finance charges that they claim don't know exactly how much, but will bill me in the near future. It leads me to believe that they are giving me the run around so that these "fees" can continuously build up. |
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Natasha B
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They have this number on their website maybe you could try them
Technical Support
1-800-347-4934
http://www.citibank.com/ |
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Leeloo
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thats bull. you should be able to cancel it using your social security or drivers license. I would ask to speak to a manager and keep going up the chain of command. Boy that would piss me off |
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StormSurge80
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I have been in banking for quite a while, and any bank (especially right now) should want to provide GOOD customer service. They should be able to verify you over the phone, even if you can't remember the "secret code" you set up so many years ago. If they won't (don't allow them to say "can't", because they can), then demand in the banking center that they ID you, and they personally get you in contact with someone to cancel the account. Usually credit card accounts can not be canceled in the banking center, they have to call. But as a manager and banker, I have placed many clients on the phone after positively identifying them.
GOOD LUCK!! |
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T_B
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You won't be charged for anything as long as there are no charges on the account and you don't activate the card.
You should call again and ask for a manager. |
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Colin H
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You may always write a letter to cancel.
Next time you call, ask for a supervisor. Explain your situation and ask for an address to send the "Cut Up" card you just received.
Ask, what additional information you need to send... Such as a copy of your photo id.
Good luck. |
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doug0102
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Just cut it in half, put into an envelope and send to the bank with a note: "Account # .... Please cancel." Sign and that's it. Cancellation must be done in writing.
If there is a balance (finance charges or anything else) they'll send the final bill to you. Pay it. Done.
If you dispute those finance charges, you need to tell them in WRITING you disagree and see what they say. |
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Tony K
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Call customer service: this is the lost and stolen department, but tell them you want to cancel (even if you have an outstanding balance) and if they say you owe money, just tell them that you want to cancel it anyways and make your payments.
1-800-950-5114
I had a President's Choice Mastercard and I owed over $1,000 but I told them to close my account and I would still make payments. They closed it, I paid it off and the rest is hiostory
As far as the sevurity code goes, that would be the last 3 digits on the back of your card. Tell them you don't have it and that you will answer another security question for them.
They should not keep your card active if you request to have it cancelled and they can ask you some other sort of security questions (Last purchase, drivers licence #, etc.....social insurance/security # if they have it)
If they still will not close your account, then maybe go into the bank itself (with ID) they will have no choice but to close the account
But they should do it over the phone regardless weather you have that stupid PIN number or not, they can ask other security questions |
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bdancer222
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First, if this card doesn't charge an annual fee, you may want to just keep it open. When you close this account, you will close that 5 year history. If this is your oldest open credit card, that would hurt your score.
Secondly, if you still want to close the account do it via mail. Always close credit card accounts by mail. Use the correspondence address shown on the statement. Ask that they send you written confirmation that the account is closed and 0 balance. Keep your request and the confirmation in your 'forever' financial file. |
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Chrissy
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Here's their website. https://web.da-us.citibank.com/cgi-bin/citifi/scripts/prod_and_service/prod_serv_detail.jsp?BV_UseBVCookie=yes&ProspectID=E0E5FBF3B0DE463ABB21DCDC8A96D2D2&SUP_ID=2A53FEF647834A2794D578B86C973F25&POSTCO=55405&BS_Id=CreditCardsOverview&M=S
Sign in and find your card than that should tell you how to cancel and who to call.
Good Luck! |
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Shantsed
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tell them you will report them to the better buisness bueru, also i would check your credit report! |
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Mike S
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Call them and say you want to cancel. When they ask you for your "magic code" just say "look I can't remember what code I gave you 5 years ago so ask me anything else like my Social Security number" if they object to closing your account ask to speak to the supervisor. You should be all set then. |
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Joachim AASR
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A fundi christian may answer, that you should rebuke the demonic powers that have persecuted you and pray for forgiveness for your sins.
A buddhist may answer, that your problem is your perception of reality.
An atheist may answer, that this is a government conspiracy cleverly executed by the Catholic church.
An anti-semite, well we don't want to go there.
As a Gnostic, I would say that the answer is within you.
Seriously, if you call and don't get an answer that works, then you ask that person for their name and to talk to their supervisor and so on....
Good Luck and Live in Peace. |
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Rebekah&:)
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First, cut the card. Take a pair of scissors and cut it. Then instead of paying the minimum due pay on the credit card, pay more so you can end the card charges on it. Then, once it's all payed off, go in and cancel it.
As consumers in today's society, you have to stand up for yourself so your not being pushed around. Go in and tell them you want to cancel. If they say you have to call, tell them they told you to come in. They can just as easily cancel in person as they can on the phone. Take charge!
:] |
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