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Question
I need assistance.  My once sparkling credit score of 800+ recently took a big hit due to my complacency... With an ignorant thought that I needed to open another credit line to ensure I kept a great score (more is better, right?), I somehow missed a payment.

I paid a statement with a due date of 1/18 on 3/3.... I thought this was going to be considered a 30 day late, but the reports show it as 60.  How?

How should I handle this?  Is this correct?  I'd like to get it reduced to 30 or even better, removed because it is not accurate... or is it?  


Thanks in advance.

Answer
Manny,

Hi! I could not tell you whether is late or not because that is up to lenders billing cycle. Whether is 30 or 60 days past due, I suggest calling the creditor to see if they can do a courtesy removal of at least one late payment.

Often creditors are willing to remove at least one late payment if there is not a history of late payments and if they think the client is in mortgage process. If the front line customer service can not assist in your goals I suggest trying to contact the Executive Customer Service. They often can find a person that may have more flexibility in their decision.

Good Luck!

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Chris Ebert

Expertise

I can answer questions for Texas residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas state collections violations. Further I can guide consumers as how to repair their own credit with out the need for hiring a credit repair company.

Experience

For the last 10 years I have worked as a Sr. Paralegal in a law firm (https://txclf.com) that defends debtors against their creditors. I have reviewed thousands of credit reports and under the supervision of our attorney helped thousands of clients resolve their credit issues.

Organizations
The Ramos Law Firm

Education/Credentials
University of Texas at Austin

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