So last time my situation was bleek.....no, no, no, from everyone.
Then I thought I will resend/email a tweeked up letter straight to the Pres. of Citibank and Home Depot. I doctored up the letter a little.
Pay attention to the P.S. Quote:
To Citibank:
I have had the honor and pleasure of having The Home Depot credit card with Citibank since 2007. Throughout our business relationship, I have honored my account agreement to the fullest. I appreciate how good your service has been. I have the utmost respect for Citibank as a financial institution and an American company. Also, I continue to shop at The Home Depot for all of my home improvement needs. The quality of service provided by both entities makes their partnership an incredible alliance.
I am sending this correspondence to humbly ask for your assistance in a matter in which I have exhausted my resources. During the recent economic downturn I found myself in a financial bind. During the time when my account was active I made diligent attempts to manage all of my bills. While overwhelmed with debt and trying to pay all of my bills on time the stress caused me to fall ill for a short period of time. l temporarily gave the responsibility of paying my bills to a trusted family member. Unfortunately, that person overlooked my June/July 2009 payment. As a result of this oversight one of my payments to you was delayed and subsequently reported to the credit bureaus as 30 days late.
Maintaining a good reputation with financial institutions is critical. In addition, maintaining that good reputation with Citibank is extremely important to me. I am so grateful for the years of positive credit history I have obtained through your company but now that one late notation is causing me great stress. I have since then enrolled in a repayment plan with automatic withdrawals so the possibility of this reoccurring is slim to none.
I am writing this letter to respectfully request your consideration in making an adjustment based on the circumstances that caused this single late payment. I am fully aware of the policies on accurate reporting. However it is up to the discretion of the company to make any adjustments and the credit bureaus advised me that they will report anything they are instructed. I would be eternally appreciative if you would send a request to the credit bureaus to remove this entry. I plead that you may help me and take into consideration how good of a customer I have been and will continue to be.
Respectfully yours,
Strive4credit
P.S. I previously sent this letter in which the responses characterized the limited authorization of all the representatives I came in contact. Please contact me if there is a need to know which representatives I spoke with. |