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Credit Report - Late Payment
My wife charged $5 in September on a Capital One card, thinking she used her Chase card. We were signed up for online statements, never checked them. We THOUGHT we were enrolled in autopay, but that was her other 2 Capital One cards.
Last week, I consolidated our Mint.com accounts and immediately got an e-mail from them regarding a late payment charge. After the account was 120 days past due. They charged a $5 late fee the first month, $10 the second month, and $15 for the next 2 months (each month)... We owed $50. I called, explained what happened, and the rep was nice and credited the account and restored the interest rates. I checked her credit reports today, luckily they only reported it as 60 days past due. However, I was wondering if it would be possible to get this removed? I disputed it on all 3 bureaus and had Capital One send a dispute to them as well, but I have a gut feeling that won't work. Assuming that it does not, is there any sure fire way to get it removed from her report? I don't care if I have to pay.
Last week, I consolidated our Mint.com accounts and immediately got an e-mail from them regarding a late payment charge. After the account was 120 days past due. They charged a $5 late fee the first month, $10 the second month, and $15 for the next 2 months (each month)... We owed $50. I called, explained what happened, and the rep was nice and credited the account and restored the interest rates. I checked her credit reports today, luckily they only reported it as 60 days past due. However, I was wondering if it would be possible to get this removed? I disputed it on all 3 bureaus and had Capital One send a dispute to them as well, but I have a gut feeling that won't work. Assuming that it does not, is there any sure fire way to get it removed from her report? I don't care if I have to pay.
