@Bratbaby wrote:
Hi
I had a 30-day late on an account I've had since October of 2010 in July of 2012. It happened when my husband and I got a joint account and the automatic payment wires got crossed. I spoke with the creditor on 12/31/13 and they agreed to remove it. I know it can take 30-45 days for the bureaus to update, but nothing has happened. Who should I call, the creditor or each bureau? Shouldn't that payment be removed by now?
Thanks for any input! I never knew how little I knew until I joined myFICO!
You need to call the creditor . Let us know what they say! Also welcome to the myFico forums 
@Wade64 wrote:
@Bratbaby wrote:
Hi
I had a 30-day late on an account I've had since October of 2010 in July of 2012. It happened when my husband and I got a joint account and the automatic payment wires got crossed. I spoke with the creditor on 12/31/13 and they agreed to remove it. I know it can take 30-45 days for the bureaus to update, but nothing has happened. Who should I call, the creditor or each bureau? Shouldn't that payment be removed by now?
Thanks for any input! I never knew how little I knew until I joined myFICO!You need to call the creditor . Let us know what they say! Also welcome to the myFico forums
+1 the first step it also may take a little more time. But it could be someone dropped the ball during the new years holiday.
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