Ally Financial 30 day late!

[Anonymous]

Just realized my Experian report shows a 30 day late for April 2018. I've had this loan since 2015 paid on time. I mailed a check and my online account shows it credited as late. What should I do? Write a letter, beg for forgiveness. I didn't get an alert for this but my score dipped 26points and I just figured a few new CC accounts reported or something 😔

[Anonymous]

Send them a goodwill letter.

[Anonymous]

Does that usually work? Should I do it right away or wait until a couple more payments posts?

[Anonymous]

Please put yourself on automatic debit from your checking account, since you are paying by check anyway. It's such a high price to pay for being late.  Seven years on your credit report and instant denials until the late pay ages.  I have gone through that until my late pays finally aged. Mailing a check via snale-mail so old-school.

[sccredit]

What was the date the check cleared your bank in relation to the due date?  

[Anonymous]

---

@sccredit wrote:

What was the date the check cleared your bank in relation to the due date?  

---

The payment cleared they're bank on 4/13. It cleared my bank on 4/16. The payment was due on 4/13. I usually pay this account online but it was in my wife's BK then later reaffirmed so I was momentarily unable to pay online. Nothing was changed about the account itself. I am a co-borrower on it.

[Anonymous]

---

@Anonymous wrote:

Please put yourself on automatic debit from your checking account, since you are paying by check anyway. It's such a high price to pay for being late.  Seven years on your credit report and instant denials until the late pay ages.  I have gone through that until my late pays finally aged. Mailing a check via snale-mail so old-school.

---

How long did that take? I've got one on all 3 reports from 26 months ago -- yes, the GW letter went out this week. 

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

Please put yourself on automatic debit from your checking account, since you are paying by check anyway. It's such a high price to pay for being late.  Seven years on your credit report and instant denials until the late pay ages.  I have gone through that until my late pays finally aged. Mailing a check via snale-mail so old-school.

---

How long did that take? I've got one on all 3 reports from 26 months ago -- yes, the GW letter went out this week. 

---

I can't remember where on the internet I read this but it was something like this:

*30-day and 60-day late payments will affect your score for three years - I watched my reports closely to see if this was true and it was.  When my lates reached this age I noticed my score would increase.

*90-day and 120-day late payments affect the score the full seven years.

[Anonymous]

The GW letter worked for me. I emailed the CEO.

[Anonymous]

Where'd you get that info from??