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Hey guys and gals,
On 3/19 I decided to apply for the Amex BCE, sadly I was denied. However, it turns out that one of my accounts was listed as being two months in which the payment was 30 days late
I checked all my statement and online records, for the account in question, and have no idea what happened?
To provide a little background info: I applied for a CC at my local CU on 1/17 and was granted a student card. I then proceeded to use the card, starting on 1/28, till my first statement arrived on 2/16. After receiving my statement I payed my account in full on 2/24 and have not used the card since.
I am baffled as to how I received two 30 day late payment notices when I just received my 2nd statement on 3/18? I have disputed this with Experian and planning to do this for the other two CRA's as they post. This has really set me back as I was planning to use the Amex BCE 0% APR promo to help fund the repair's for my car......
Any advice as to what I should do next?
I think you need to call your CU and see if you can figure it out. Could you have gotten the due date wrong? Whether it was your error or the bank's, the fastest way to fix it is to get your CU to remove the lates.
If you dispute w/EX, 99% chance it will come back verified. I'd call the manager or go into the branch with your paperwork and try and work it out with them. If somehow it was your error, then you can ask if they can remove it for you since it was an error. In other words, you didn't pay late on purpose; you paid late because you got the date wrong, or whatever the cause. Kind of plead your case with them. If it's their error, then they should just fix it with the CRAs.
@bichonmom wrote:I think you need to call your CU and see if you can figure it out. Could you have gotten the due date wrong? Whether it was your error or the bank's, the fastest way to fix it is to get your CU to remove the lates.
If you dispute w/EX, 99% chance it will come back verified. I'd call the manager or go into the branch with your paperwork and try and work it out with them. If somehow it was your error, then you can ask if they can remove it for you since it was an error. In other words, you didn't pay late on purpose; you paid late because you got the date wrong, or whatever the cause. Kind of plead your case with them. If it's their error, then they should just fix it with the CRAs.
I was planning on stopping in at the CU. However, I have already submited a dispute, should I cancel it? Or should I just worry about my CU's records as the CRA's will just verify the correct info, assuming that the info is corrected?
@Anonymous wrote:
I was planning on stopping in at the CU. However, I have already submited a dispute, should I cancel it? Or should I just worry about my CU's records as the CRA's will just verify the correct info, assuming that the info is corrected?
I don't think you can stop the dispute, so don't worry about it. The main thing is that it will likely come back verified, even if the info is wrong. The CU is going to have to send the correct info to the CRAs. You may want to pull your TU and EQ reports, too, if you haven't. As it's probably reporting wrong on those as well. Be sure your CU sends the updated info to all 3 bureaus.