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Never heard anything further from either of them. They typically pay in cash, so you'll have to prove you're a reliable prospect to get the bank to accept your bid [source. You will be able to load these answers using the My Documents link on the left.
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CitiFinancial is a named defendant in a class action lawsuit for violating the Fair Credit Reporting Act by buy people's credit histories to target them with high-cost loans. Buy a house with 20% down to avoid PMI is a great idea. When you are preparing to apply for a loan, you may wish to know what is on your credit report.
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Attach copies of the letter to your complaint.