I forgot to pay my Target bill because I wasn’t enrolled in auto pay. I got an alert from Experian back in December saying my FICO decreased a lot and I was like oh snap. It decreased by 43 points because Target added a 30 days late to my account. So I searched and was going to write a goodwill and see if I could get it removed. But before I did that I called to see if it can be removed that way. I told them my story and told them I’ve been a great customer and it was a mistake and I am now current and pay my bills. The lady on the phone said she would reimburse me the $38 late fee and I said thanks but I was calling to get the 30 day late removed from my credit burureau report. She told me unfortunately she couldn’t because its the law to report it.
Well today I got an email from Equifax and that my rating increased and I noticed that my Target account is now marked current (see photo). I think they removed the 30 day late from my account and my score also went up 10 points. I am beyond happy because 4 years ago I had a terrible report now I am 100% squeaky clean, no lates, no baddies. Over the summer I was at 780. Now I am down low 700’s because i racked up some 0% card until 2020 and some are 10k which I am paying off. I am glad they removed the 30 day late its the last thing I need on my clean report after working so hard to get close to 800 after being in the low 600’s back in 2015.
