Credit Limit / High Credit not reported/deleted

[leonvn]

Hello,

After reviewing my credit a year or so ago I've noticed that Citi is not reporting credit limit for the cc I have with them. High credit was reported correctly. Unknowingly of what "high credit" actually means and how it is used I requested investigation stating that credit limit is not reported and high credit is incorrect. As the result, high credit amount was deleted and credit limit is still not updated. Now I'm stuck, I have a pretty high balance on that card which I can't pay off and because reported credit limit/high credit is 0 available credit ratio if negatively impacting the score.

I asked Citi multiple times to at least report high credit again but they sent me letters with excuses of why they can't. I disputed account information with CRAs but still no success.

What can I do now? Should I just drive the balance to the amount I know was higher than the highest credit and hope they will report it? Paying it off is unfortunately not an option.

Thanks for your help.

-Leon

[Trish]

For whatever reason, some CC companies will not report the credit limit.
Sounds like the company is not going to be very accommodating....so I would keep on disputing it with the CRAs....stating that the high balance (or limit) is being reported incorrectly.

Only other thing I can think of trying is sending a debt verification letter to the CC company letting them know that (according to the FCBA) if they are not going to report it accurately......they should not report it at all..
The down side to that is.....they may just delete it from your CR (unlikely but possible) and if this TL isn't seriously bringing your score down then you wouldn't want to do that since it is a positive acct.

[leonvn]

I called experian today. The rep was very helpful and she worded my request for investigation very differently from the way I did before. Will keep you posted.