The reporting of late payments (those prior to collection action) are a very 'gray' area... the FCRA Section 605 and any subsection does not include reporting of late payments, only collections. But, it does outline what can be included... and none of those items are 30 - 60 day late payments.

So, fight them all.

I have a 30 day late mark from march on my credit report. I lended my dad my Macy's card so he could buy my mother a gift, and I forgot about the charge until too late.

This is preventing me from getting a student credit card, something that I'd like to have to build credit for when I graduate in 2 years.

The card is a Macy's Visa, so, who should I contact about trying to repair this?

I just pulled my Equifax credit report from myfico.com.  In the report it shows 4 consecutive inquiries, resulting in a 120 late on the report.  I had closed out a Bank of America credit card back in december of 2006 and when I paid it, I called for the payoff balance including all accrued interest and then paid it off by check. Two months later in February of 07, I get a bill from B of A for interest charges. I called and their representative answering the phone said they would be reversed and any credit inquiries will be reversed. This continued for 4 months until I spoke with the higher authorities at B of A, and they finally reversed the charges permanently.

Tonight I called B of A and they told me to call back M-F from 8am to 10pm and talk to the credit department and they will see if my story is true and decide what road to continue down.

I am now in the market for a mortgage and I have a fico of 652.  Ive had several 30 and 60 day inquiries on my credit reports in the past, but have been clean for nearly 2 years. 

My question is 2 fold, what do I do to fix this, and if I do fix it, what will happen to my fico.

Any info you can share would be greatly appreciated!

Thank You in advance!

--Martin

  Hi,

I have a 30 days late on my credit report for a car loan . I have been paying over the phone I made a payment on the weekend which was on Sunday and it took 2 days to clear. First i called them (toyota) and asked them if the payment was posted the day it was made and they said yes, they also told me if it fell on the weekend it wouldnt count to Monday. I called them when I saw this on my credit report and someone else told me that was it took 2 days to post and who ever told  me that was incorrect.  Help, should I write Toyota or dispute directly on my credit file.

                                                                  Thanks

i had great credit score 750 points

but i was 90 days late on a morgage payment

i had this house for 3 years and i have never been late on any

payments entill now please advice on wat to do and what i need to  do to get best results and if i have to make up a storie which will be appropiate.

best regards, mario cifuentes

p.s. please send your information and advice if is something you can help with.

OK I was dumb.  I had opted for electronic billing from Chase.  My spam filter blocked the statements and I wound up overdue on a couple Chase credit cards.  I had never ever been late on anything before and my credit scores were around 730.  Now they're 590.  Everything is paid  up now.  Can the damage done by my oversight be repaired?

Does anyone have sample letters they sent to the credit cards companies or credit bureaus?

I recently found that I have a 30 day late payment on my credit report. I had purchased a gift for my parents on the Macy's card (which initially had 0 balance) and I accidently missed the payment. When I noticed the balance on my online account, I immediately payed the entire balance off , however the payment was 60 days late from the due date. It was also reported to the credit bureau as a 30 day late payment. This is the only delinquency on my record.

I am trying to get a house mortgage and due to this late fee record, my credit rating has dropped to such that my loan will not be approved.

I have tried to speak to the Supervisor at Macy's credit services, and she said that it is illegal for them to withdraw the report from the credit bureau. I would like to know if there is such a law, and  what can I say to the Supervisor to get the delinquency record removed from my report. Are there any other options to resolve this issue?

Please adive.