Reply
Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
0

Please Help, Forgot to pay a credit card?

I used my home depot card sometime in September and I forgot I had use it and I remembered when I got my statement this weekend that I was 60 days past due. I went online and immediately paid the card.

 

I contacted them yesterday and they said they can't do anything and they have to report the history to the bureau. I have not been late in any other payment for 4 years and now this is going to hurt my credit by this little mistake I made for not remembering that I owe money to the home depot card.

 

What should I do?

Contributor
Posts: 93
Registered: ‎10-07-2011
0

Re: Please Help, Forgot to pay a credit card?

Unfortunately, it sounds like your only recourse would be to start the goodwill process.  There are examples and explanations of that process that can be found here on the forums.


Starting Score: EQ-484(10/10/2011) TU-533(10/10/2011)
Current Score: EQ-701(1/18/2013) TU-735(1/20/2013)
Goal Score: 750s!!


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
0

Re: Please Help, Forgot to pay a credit card?

I tried the goodwill process in the past and they didn't work. They keep saying "unfortunately we cannot change the history on the account as this was not a bank error".

Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: Please Help, Forgot to pay a credit card?

In the future you may want to use something as mint or pageonce to remind you

Contributor
Posts: 93
Registered: ‎10-07-2011
0

Re: Please Help, Forgot to pay a credit card?


eddymvp wrote:

I tried the goodwill process in the past and they didn't work. They keep saying "unfortunately we cannot change the history on the account as this was not a bank error".


You've tried it with Home Depot?  Most every creditor has different policies and stances on whether or not they are willing to make adjustments.  It can often differ depending on the time of day, or CSR that you reach with your letter.

 

Good advice to try and find some way to notify you, or remind you, of when you have upcomings bills.  I would say just keep trying, and hopefully you'll get lucky.  There may be some different contact info, phone numbers, email addresses or physical addresses to try.  If you have a solid payment history with them, and this is just a one-off, you may have a shot.

 

Wish you the best, its a horrible feeling.


Starting Score: EQ-484(10/10/2011) TU-533(10/10/2011)
Current Score: EQ-701(1/18/2013) TU-735(1/20/2013)
Goal Score: 750s!!


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
0

Re: Please Help, Forgot to pay a credit card?

I just checked my credit score and it went down by 90 points because of this 30 days, I'm going to try the 30 days with them and will keep insisting.

Valued Contributor
Posts: 1,424
Registered: ‎08-28-2010
0

Re: Please Help, Forgot to pay a credit card?


eddymvp wrote:

I used my home depot card sometime in September and I forgot I had use it and I remembered when I got my statement this weekend that I was 60 days past due. I went online and immediately paid the card.

 

I contacted them yesterday and they said they can't do anything and they have to report the history to the bureau. I have not been late in any other payment for 4 years and now this is going to hurt my credit by this little mistake I made for not remembering that I owe money to the home depot card.

 

What should I do?


i really feel for u,, its hard work keep ur credit scores going up and up, and it takes 1 mistake to set u back years,, i have a 30 day late on a car loan from 3 yrs ago that was a ballon payment at the end of the loan that i did not know about, i have tried and tried but can not get them to lift it, but i still try every couple months, i hope u keep trying, what i do now is have all my accounts online and all shortcuts on my desktop and check them everyday to make sure i dont 4get something, i know it is easy to do... best of luck to u...

Regular Contributor
Posts: 176
Registered: ‎08-21-2010
0

Re: Please Help, Forgot to pay a credit card?

Hi eddy and dale - I really feel for you guys as this has happened to me also - years ago though but the account has fallen off my report.  Persistence does pay off sometimes.  What I've gotten in the habit of doing is scheduling ALL my bills at the same time to pay regardless of when they're due.  I usually do this around the 8th of the month since my 1st bill isn't due til the 10th.  I then add them to my Excel spreadsheet I created for the week they are due.  If there's ever an empty spot then I know I've skipped or forgotten to do it, but I very seldom forget to schedule payments.  Maybe this is something you could try.  I also make sure I print all the confirmations to a PDF because just when you don't, there's an issue.

Good luck to your both.


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
0

Re: Please Help, Forgot to pay a credit card?

I hadn't use this card in about a year and used it in september and forgot that I owe to it. I just mailed the good will letter, I hope it works.

Valued Contributor
Posts: 1,424
Registered: ‎08-28-2010
0

Re: Please Help, Forgot to pay a credit card?

i hope so too

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.