On October 5, 2010 I applied for a refinance load and my credit was pulled. I have over 12 months of late payments with Citbank master card showing on all 3 credit bearues. I was concerned with this since I have entered into an agreement with them in September of 2009 where I have been paying each month and have had it automatically withdrawn from my account the entire time. I was unemployed and had asked to make arrangements until I could get back on my feet. Citi bank as well as other financial bank card interesting that Citi bank was the... read full review »