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I have been using score watch for over a year but a couple of days ago I get my score power report and see a 30 day late pay attatched to a 500cl credit card from worlds foremost bank!!! I got suspicious when I applied for a card and got a 1000cl at 8% over prime and I about fell out of my chair!! I have never had a "baddie" before and after research I found that the automated account with the credit card issuer was showing my payments being made on time but I had switched a bank account and apparently switched the auto debit info on the credit account after it had tried to make a payment. All future payments were out of the new bank account but the card company never notified me of what happend. Furthermore this apparently happened in august of 2012 but my score watch never caught it!?!?
So.....what now!!!
my TU took a dump to 715 and my eq is now 683 (far from where I want it)
What should I do? What would you do??
Im freaking out!!!!!!!!
Send a GW.
+1 Send them a GW, you could also contact them directly and explain your case.
Can you give a bit more info on the late payment?
What was the billing due date, and when was the payment received/entered by the creditor?
If it was paid within 30 days after the billing due date, it would have still be delinquent on your account agreement, but not a reportable 30-late to the CRA.
If that is the case, it would be disputable as improper reporting, with no need to ask for GW deletion.