SUCCESS (I think)!!
I wrote to Citibank and asked for a PFD. Even though the account is currently in good standing and paying as agreed, I had a gazillion really late payments due to my enrollment in a DMP (I have: 2 60 day lates, 2 90 day lates, and 3 120 day lates).
"As to your offer to pay the balance in full in exchange for the deletion of the account from your credit profile, enclosed is a self-addressed envelope for your convenience in providing your payment. Upon clearing of the payment from your bank, we will make the necessary request with the three major credit reporting agencies to delete the account from your credit profile."
That sounds pretty successful, right? I can't believe it!! This will delete all of the late payments. Woo hoo!!
Or am I missing something? Please tell me before I send off my check...
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Alfredo Piacentini
Well, I'm really curious to know the amount that you need to pay now in order to get the status as "Paid in full". It could be a huge amount including your late payment charges. Make sure you're sending a check for the right amount. Otherwise, it seemed quite okay with me.