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Credit Repair/30 day late payment


QUESTION: I just had a 30 day late payment on a credit card (just a slip up)

Here are my  credit scores:
         60 days ago          now          {drop}
 Equifax       759          691          {68}  
 Experian      769          731          {38}
 Trans Union   760          740          {20}
average(60 days ago) 756    (now)   720          {42)  drop now

How long will it take for my credit score to go up ?

Thanks for your time_________________

ANSWER: Hello Bob,

The last 6 months of payment history carries the most weight when calculating a credit score. So as long as you make all of your payments on time from here on out, your credit score should come back up within the next 6 months.

If this is the first late payment you have ever had with the credit card company, I would suggest that you send them a Goodwill Letter and ask for a courtesy adjustment.

Good Luck!

---------- FOLLOW-UP ----------

QUESTION: thanks for the info....should I send the goodwill letter to the capitol one po box address? or would it be better if I'd send it to the president of capital one financial corp.?
Can I just email him? (I have his email address) or would it be better if I send him an actual letter?
Thanks for your time......

Hi Bob,

Mail the letter to the P.O. Box address, just be sure to put "Capital One, ATTN: Customer Relations" at the top.
If that doesn't work, mail another letter to the president of Cap One and send an email.
Be persistent, but always courteous.  

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Michael Abramsky


I can answer questions for U.S. consumers that have issues with their credit reports, improving their credit scores, and dealing with debt collectors. I have extensive knowledge of the FCRA, FDCPA, FCBA, HIPAA, as well as the CDIA's Metro-2 and eOscar credit reporting systems. I am not an Attorney and do not offer Legal advise.


As a Senior Credit Consultant for I help clients leverage consumer protection laws and rebuild their credit to improve their credit scores.

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