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I might have made things worse

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LShawn08
Frequent Contributor

I might have made things worse

I called the Best Buy customer service line and asked whom could I speak to about getting my 30 day late removed. The CRS said she could send a letter to the CRB's saying that my account was in good standing and one to me but I think she said there was a possibility it could be categorized as a dispute. I don't think I want a dispute. What does a dispute on my CR mean ? Aren't disputes bad ? Am I going to then have to dispute, the claim that I filed a dispute ? I just went on another avenue to possibly get a goodwill adjustment on my best buy account. I literally said "this is not a dispute, just asking for a goodwill adjustment". Soooo what should I expect ???
Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 1 of 20
19 REPLIES 19
azguy13
Senior Contributor

Re: I might have made things worse

Disputing with a CRA will temporarily suspend that TL from being calculated into your credit score. This is the reason why Loan Officers for mortgage companies require all disputes to be closed while applying for a mortgage. As for what Best Buy will do, I am not sure. They are now backed by Citi now so I can't speak as to what users have reported in prior years. 

Message 2 of 20
LShawn08
Frequent Contributor

Re: I might have made things worse

BUMP

Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 3 of 20
LShawn08
Frequent Contributor

Re: I might have made things worse

Anybody else?

Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 4 of 20
Shogun
Moderator Emeritus

Re: I might have made things worse

Difficult to give a direct answer to this.  Filing a dispute for anything they receive is a tactic that's common with creditors just to try to get rid of you.  Oh,, we will file a dispute,  they water it down, send in the dispute and then verify the information is accurate.  Wash, rinse repeat.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 20
LShawn08
Frequent Contributor

Re: I might have made things worse


@LShawn08 wrote:
I called the Best Buy customer service line and asked whom could I speak to about getting my 30 day late removed. The CRS said she could send a letter to the CRB's saying that my account was in good standing and one to me but I think she said there was a possibility it could be categorized as a dispute. I don't think I want a dispute. What does a dispute on my CR mean ? Aren't disputes bad ? Am I going to then have to dispute, the claim that I filed a dispute ? I just went on another avenue to possibly get a goodwill adjustment on my best buy account. I literally said "this is not a dispute, just asking for a goodwill adjustment". Soooo what should I expect ???

UPDATE: Recieved a letter in the mail from Best Buy officially saying they can not investigate my issue because they did not control my account at the time. 

Also said I should just dispute the Capital One tradeline with all three Credit bureaus. It's this normal for them to ask me to do ? Capital One says they don't control this account and now so does CitiBank. Is my 30 day late just somewhere in credit limbo ?

Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 6 of 20
Shogun
Moderator Emeritus

Re: I might have made things worse

How old is the 30 day late?  Is it affecting your credit now?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 20
LShawn08
Frequent Contributor

Re: I might have made things worse

1 year old. I have one collection also but that is it, so maybe yes or no.
Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 8 of 20
Shogun
Moderator Emeritus

Re: I might have made things worse

Since it's that current, you're still feeling a sting from it.  30 day lates are minor derogs, they hit hard at first, but lose their sting pretty quickly.  After a year, they lose a lot of it and after 2 years, mostly gone.  I have 5 30 day lates still on my TU and it's not affecting my scores.

 

The dispute thing isn't a killer, you can get disputes removed, so it's not a bad thing.  Have you ever just contacted the lender and ask if they will GW it off?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 20
LShawn08
Frequent Contributor

Re: I might have made things worse

Yes, tried the EO office, they informed me, that this particular account was sold off. It's stupid Capital One, which is now a Citi account. I don't know which way it's up with this thing.

Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 10 of 20
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