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FICO ALERT -[77]

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Anonymous
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FICO ALERT -[77]

when is a 30 day late a 30 day late???? my payment was 25 days past due and I was hit with a 30 day late, someone please explain to me what is a 30 day late!
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: FICO ALERT -[77]

Depends on the lender. They make up their own rules I learned through others. Technically when a payment is 29+ days beyond the stated due date.

You have room to argue with the lender for removal if less than 29+ days. Some lenders consider it 30 days after the closing date, some even 1 hour late past the due date. Call up calmly and ask for it to be removed ASAP.
Message 2 of 6
haulingthescoreup
Moderator Emerita

Re: FICO ALERT -[77]

And if I would you, I would happily pay their internal late fee without a single quibble or whimper, if only they would not report the late. Getting the late off is the important thing!

Message Edited by haulingthescoreup on 09-05-2008 04:23 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 3 of 6
Anonymous
Not applicable

Re: FICO ALERT -[77]

Thanks piz and haul I called fico and they told me I had any proof I could just send it in, I due have the statement which says the card was paid on the 15th of the August. It was due on the 21st of July
Message 4 of 6
cobra19
Valued Contributor

Re: FICO ALERT -[77]

Now you know why we always say NEVER......NEVER BE LATE. !!!!!!!!!!!!! 
 
It's like when you were in school. If the report was due at 3:00 PM Friday afternoon, and you show up at 3:05 PM - YOU'RE LATE !!!!!!!!!!!!!!!!!!
New York Yankees - 2009 World Series Champions. 27... and counting.....
Message 5 of 6
marty56
Super Contributor

Re: FICO ALERT -[77]

Wells Fargo used to mark a patment late if it wasn't paid by the next statement date which could be 2 days aftet the due date.
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 6 of 6
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