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Disputing a late payment on a credit report?
I need some advice...
Backstory is DH has a cc in his name that we used once at Panera in late Feb. ($16). Prior to that he hadn't used this card in years. Normally we exclusively use one in my name that gets us miles. We were waiting for the bill to pay it off and the bill never came. Mistake #1 is DH put the card away and forgot about it. Mistake #2 is that I never reminded him about it.
Anyway, he called about this last week, and Citi told him he was enrolled in paperless billing so we wouldn't have gotten a bill in the mail. It would have come by email (or at least, notice he had a new bill waiting). Well, they apparently didn't realize they don't HAVE an email on file for him... so we never got any notification from them at all about a bill!
We've missed 2 deadlines, incurring late fees, but they've put in a request to have those waived given the situation. I'm not worried about fixing that part but after 30 days they report delinquent accounts to the credit bureau, so we've now been dinged there.
Do we have recourse with Citi to ask them to retract that report or do we have to fight it with the credit bureau ourselves? (And all 3 or just the one they report to, which I think they said is Experian?)
Re: Disputing a late payment on a credit report?
The cc company can retract their report to the credit bureau. So I would just ask them to do that and then double check your credit report (I think you get something in the mail saying they've retracted their claim, but i'm not sure). If they give you a hard time, then call Experian and explain to them the situation, and they can dispute the claim with Citi.
Something similar happened to me a couple years back with a student loan. What a PITA.
We make the rockin' world go 'round.
Ditto what SSW said. But if it gets on your cc report I would just dispute it. 9 times out of 10 the company that put in the dispute does not respond, which automatically ends the dispute in your favor.
GL!