topic Re: Ugh! Lending Club help! in Rebuilding Your Credit

Ugh! Lending Club help!

romcom2021 — Wed, 24 Apr 2024 14:54:02 GMT

Need advice and guidance. I had a charge off with Lending Club back in July 2017. So, now I'm very close to this falling off my credit report. I tried to get an early exclusion on it (mistake!) and it appears now that Lending Club reported back to the credit bureau that I had a recent late payment. I can't see it on my report unless I look down at the bottom and it says "hurting your credit score" - recent late payment in the last two months. It was the only thing on my report that had any update so think it's something they reported to the bureau. I also can't see the past payment history anymore either. And my score dropped 50 points! What do I do?

Re: Ugh! Lending Club help!

RSX — Wed, 24 Apr 2024 15:50:13 GMT

wait until Aug - it will drop off

you 'woke' them up - but i bet those 50 pts are mostly back in the next month

just let it get dropped naturally at this point - sometimes the EE does not work

Re: Ugh! Lending Club help!

BrighterFuture — Wed, 24 Apr 2024 17:13:19 GMT

Just curious, how can LC report a recent late payment if one did not occur?

Doesn't the Fair Credit Reporting Act prevent bullies like this from doing harm to someone?

Re: Ugh! Lending Club help!

KateInquires — Thu, 25 Apr 2024 02:24:18 GMT

Was it paid?

Re: Ugh! Lending Club help!

Friendlyfranknbeans — Thu, 25 Apr 2024 04:40:11 GMT

When you file for an EE the credit bureau will investigate your claims and comb through your payments and accounts and make adjustments as needed. Sometimes it's better to not shake the tree if you noticed bad stuff that's not reported.

Re: Ugh! Lending Club help!

CreditChamp800 — Mon, 01 Jul 2024 22:43:59 GMT

I had a similar issue with Lending Club. I managed to get it removed from TransUnion and Experian, but Equifax refuses to remove it. The date of the last payment was August 2017, and the date of first delinquency was October 2017. My account was sold/transferred, and I’m wondering when it will automatically fall off my report.