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False late payment on a credit report
Well here is the brief story;
I made my last payment on time (before 30 days) , and I have the confirmation for that. However, according to the lender, they are aware of the problem and their system was not working great on that weekend. That caused the system so long to update the account and therefore it showed up as 30 days past due. Plus I confirmed with them that the payment was made on time and was told that if that shows up on the credit report they would update it with the correct information and eventually it will be removed. I have spoken with the reps more than 2 times.
Today I noticed that, it does show on the credit report as 30 days past
I'm going to contact the lender tomorrow again to make sure that they are on top of it and do what they are supposed to do to remove that on their end.
But in addition to that should I also contact the credit bureaus personally and let them know about that and dispute the late payment on my own, too?
Also, whenever it gets removed, will the credit score be back up as it was never existed?
Or even after the removal, will it still affect the score/report since it occurred once?
If so what steps should I take, to get this completely removed (I mean as it was never been there, since it's %100 lender's fault).
As you may understand I'm so frustrated, and so mad. Please advise . Thank you in advance.
I made my last payment on time (before 30 days) , and I have the confirmation for that. However, according to the lender, they are aware of the problem and their system was not working great on that weekend. That caused the system so long to update the account and therefore it showed up as 30 days past due. Plus I confirmed with them that the payment was made on time and was told that if that shows up on the credit report they would update it with the correct information and eventually it will be removed. I have spoken with the reps more than 2 times.
Today I noticed that, it does show on the credit report as 30 days past
I'm going to contact the lender tomorrow again to make sure that they are on top of it and do what they are supposed to do to remove that on their end.
But in addition to that should I also contact the credit bureaus personally and let them know about that and dispute the late payment on my own, too?
Also, whenever it gets removed, will the credit score be back up as it was never existed?
Or even after the removal, will it still affect the score/report since it occurred once?
If so what steps should I take, to get this completely removed (I mean as it was never been there, since it's %100 lender's fault).
As you may understand I'm so frustrated, and so mad. Please advise . Thank you in advance.
Last edited by tuna9720; 06-08-2012 at 02:42 AM..
