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payment recieved by creditor 3 days after 30 day period score drops 100 points

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payment recieved by creditor 3 days after 30 day period score drops 100 points

 
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Established Contributor

Re: payment recieved by creditor 3 days after 30 day period score drops 100 points

First off, is it a CC or a loan? 
I can only speak for CCs, but in the past, when something like this happened, I called the CC company, explained what happened and asked politely if they would be gracious and remove it.  They would always say, let me look at your record, and if I hadn't been late before (well not in a while), they'd do it.  Then of course you have to politely remind them to update their entry with the CRA.
 
Can't say for other types of lenders, but if its a CC that's what I would do.  Especially if it's your first late.
 
 
 
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Moderator Emeritus

Re: payment recieved by creditor 3 days after 30 day period score drops 100 points

GW is your friend!
Message 3 of 3