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Verified 3/8/2012, 4:27PM EST 800-955-1455 This number gets you DIRECTLY to their executive office level.

If at first you don’t succeed, you have nothing to lose by trying again…and aiming higher. (Caveat: some have incurred additional HPs in recon attempts. YMMV.) Two weeks ago I went into my local branch of a large regional bank (operating in 16 states) to close a checking account I was seldom using. The Team Leader who always helps me told me he could run a pre-qualifying credit card app, and while I was reasonably certain it wouldn’t work (I’m opted out), I also know they are primarily a TU puller – odds were in my favor that there wasn’t much to lose. I rightly guessed that my “soft, pre-qual app” turned into a HP, but it was on TU, and those have a bizarre habit of getting lost. Here today; gone in 56 tomorrows. My banker told me it would take 1-2 business days for an answer, and he checked on it the next business day. I was initially approved for $5K in the automated phase of the process, but an underwriter vetoed the software’s decision and denied me, based on the 2 remaining medical collections that are currently in Why Chat Mode. I searched high and low for a backdoor number or email – their “insider info” is guarded like a State Secret. But I’m a pretty savvy sleuth – which has annoyed more than one boyfriend along the way – and I felt reasonably certain I’d figured out the proper email formatting for employees. Yesterday, I hurled what turned out to be a rightly aimed dart at the Chief Credit Officer listed under Executive Leadership on their website. Thursday: 5:10pm – I sent email 6:09pm – I received brief but very personal reply AFTER "bankers' hours"; thanked me & congratulated me for aspiring to join the FICO 800 Club; someone will review it and get back to me within a few days 8:30pm – I replied with my sincere thanks Friday: 3:41pm – I received a generously personal response from a different person: EVP, Consumer Credit Executive – approved for $5K; original contact was copied on email 4:05pm – I was overwhelmed by their level of personal service and replied to both, letting them know they’d earned a customer for life In summary, you’ll win some…and you’ll lose some. But always remember the immortal words of Wayne Gretzky: You miss 100 percent of the shots you don’t take.

This is one of my last, remaining baddies. This is NOT a Citi revolving line of credit, but rather a personal loan at one of their local walk-in branches I obtained back in the day for downpayment on a new car. Disputes with CRA's have come back verified, and a GW sent to the branch was apparently forwarded to corporate, where I got the standard, "It's accurate, so this is why we are reporting it this way" response. Anybody have any luck getting one of these removed? I actually have several of these tradelines.. that are showing refinanced/closed/paid as agreed. But this last one is a paid chargeoff. Thanks.

Do any one have the CEO email address?