CITIBANK RECON...WHO SAID YOU CAN'T?

[bumbay da dogg]

Funny how honey fights better than vinegar when trying to get our way.

Hi Cracked,

 

At least in my experience its always been more advantageous to be kind.

 

Especially, over the phone. The initial Customer Service Rep. can pave a smooth surface on the transition to the next level or fill the road with unnecessary pot-holes, obstacles and other things which will require additional time and energy to address.

 

Bottom line for the CLI all the CBer wants generally is the CLI desired or a reasonable counter offer.

 

Vinegar will not get you that!

[bumbay da dogg]

OP, congrats! Persistence is the key!

 

 

 

Congrats!!

 

I was denied the double cash due to a BK in 2011. The lady said there was nothing they could do, that it is company policy. Any advice?

Daddy, the earliest we have reported getting Citi after BK if you did not IIB them is 4.5 years. If it has been that long, try the recon strategy recommended.

Hi Vintage,

 

Thanks, for the congratulations.

 

Persistence in life pays off in so many ways.

[Cappy]

Bumbay, nicely done

 

You were persistent until the end and took the right steps to get things done.

 

You'll get very far with that attitude

[mfarmer]

Think it's an incredible example of persistence, patience and polite pushing. Thank you for the write up.

[VintageWillow]

I also like how you told the UW that she was very helpful before she put you on hold to try to get you what you wanted. That is a good little bit of psychology. Give her that positive identity and she is more likely to work hard to keep it for both herself and you.

[bumbay da dogg]

Bumbay, nicely done

 

You were persistent until the end and took the right steps to get things done.

 

You'll get very far with that attitude

Hi Cap,

 

Thanks, for those very complementary words.

 

I really hope the process used helps someone in their request for CLI or whatever CC company engagement they have.

 

Thanks, again.

[bumbay da dogg]

Think it's an incredible example of persistence, patience and polite pushing. Thank you for the write up.

 

Hi Farmer,

 

Thanks, for being so nice in expressing your enjoyment of the post.

 

As stated before I just wanted to put a detailed interaction between myself and the CC company down. Be it success or failure and maybe get some feedback from the board. On how I could improve and refine my approach.

 

Also, sometimes people get a process completed and are successful, but don't tell you in a easy to follow step by step manner how it was done.

 

I really hope it helps somebody be successful when on the line with a CC company.

[bumbay da dogg]

I also like how you told the UW that she was very helpful before she put you on hold to try to get you what you wanted. That is a good little bit of psychology. Give her that positive identity and she is more likely to work hard to keep it for both herself and you.

Hi Vintage,

 

Thank you.

 

I believe praise and recognition goes miles with people and smooth a lot of road.

 

Thanks, I hope everybody can get something out of it to help them in a future battle.

[Iamawriter]

Any Citi people know if they are still tax lien sensitive?

[bumbay da dogg]

Any Citi people know if they are still tax lien sensitive?

Hi Lama,

 

No, I would say no. Because I have one!

Edited April 9, 2016 by bumbay da dogg

[Iamawriter]

May I ask how much your lien is for? NASA just denied me having a tax lien, and told me the only way they could approve was if it was under 5K.

[bumbay da dogg]

May I ask how much your lien is for? NASA just denied me having a tax lien, and told me the only way they could approve was if it was under 5K.

Hi Lama,

 

You can write for an appeal with NASA. I believe it goes to their board.

 

Not sure of the success rate but worth a try.

 

Not sure of your particular situation surrounding the lien?

1. If you are in uncollectible status?

2. If its about to the time-out for collection

3. If the returns are out standing

4. If the returns are unfiled:

4A. Are big tax debts owed?

4B. Are relatively small refund amounts due or large amounts?

4C. How far back are returns due?

 

The lien situation seems to matter more to some credit unions as opposed to banks.

 

The lien should definitely be addressed to clear or mitigate. But for basic credit granting (CC, Auto and some loans) just clearing it from the Credit Report will do a world of good.

 

BUT AGAIN!!!!

 

It depends on the status, age and other factors of the lien?

 

Please guys don't jump all over me for the above comments! I just spoke with the IRS recently.

Edited April 10, 2016 by bumbay da dogg

[bumbay da dogg]

May I ask how much your lien is for? NASA just denied me having a tax lien, and told me the only way they could approve was if it was under 5K.

 

Hi Lama,

 

I had the same problem with NASA requested $25K or $35K.

 

Told the same about lien situation.

 

Offered the following option:

1. Approval open for 60 days

2. Write an Appeal to Board for acceptation to $5K lien rule

3. Given 60 day window to clear lien and show written IRS letter head proof

 

I didn't do anything. I just let it die.

 

In hindsight I should have:

1. Written the letter to the NASA Board

2. Started work earlier than now to clear the lien

 

But at the time:

1. My knowledge of this credit repair process was far less

2. I had other Credit Report Issues

 

BUT YOU LIVE AND LEARN!!!

 

Once I get this lien cleared I'm requesting whatever their max is for a credit card!!!

 

I hope this helps.

 

My lien is $13K...I know!

Edited April 10, 2016 by bumbay da dogg

[bumbay da dogg]

ok!

[Auto_Body_Chick]

Dang! Impressive.

I'm following your lead on this one! I just got my card today and activated it.

 

Wish me luck.

[cashnocredit]

Nice.

 

https://en.wikipedia.org/wiki/Robert_Cialdini

[Auto_Body_Chick]

It took an hour but this worked for me too. I went from 9k to 25k.

 

Thanks, OP!!!