Jump to content

Sign in to follow this  

Waking an Unknown

Recommended Posts

Hello All,


I have been on the hunt for a consolidation loan. I received some pretty decent news. Here is the hitch though.


I went to my local CU. Affinity CU. They have an awesome Debt Consolidation program, but I have to be a member before I can apply. So I applied and was turned down from some apparent entry on my Chexsystems report. They gave me a paper to call Chex and supposedly I have an account from Citi on there from 2013.


Here is the thing. I did at one time have a Citi account for about a year. I closed it. Since then I have heard nada from them. No letters, phone calls, nothing.


So in an effort to close this consolidation loan I disputed it. Now I am regretting the decision that I may have hastily done this. I sincerely have no re-collection of this nor do I know of any possible existing balance. They wouldnt even tell me over the phone what the balance was.


I am waiting on the report but I have already disputed it.

Share this post

Link to post
Share on other sites

When disputing Chexsystems, you communicate and negotiate first with the bank that reported you. Did you try to call Citi with the Chex info and get more information? If Chexsystems says the information is confirmed, then send an Original Creditor dispute to Citi.


1. Call Citi and find out why they reported you and the exact date the account was charged off.
Ask for a final bank statement. Determine if Citi is reporting the account activity correctly.


2. Find out if Affinity will do the loan if Citi is paid.

Edited by tmcgill

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information