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So I was just informed by Capital One, as I was trying to get them to increase my CL, that I had a missed payment in April. If I had a late payment wouldn't I have had received an alert from myFico? How long do they take to fall off of my report?
@Anonymous wrote:
Was it 30 days late? If not it shouldn't be reported. Probably why you didn't get an alert.
+1. Unless you paid 30 days late ( i.e. one month after the due date ) then you should not incur a 30~day late notation on your credit reports. However Cap1 can still ding you for it, either with fees, increased interest rates, etc....
The odds of getting a CLI with Cap1 are a longshot anyway, so it's not like they would have given you an increase even without the late pay...
I had the same thing happen to me and I just called customer service and asked if they could remove it and they did.
@pizzadude wrote:
+1. Unless you paid 30 days late ( i.e. one month after the due date ) then you should not incur a 30~day late notation on your credit reports. However Cap1 can still ding you for it, either with fees, increased interest rates, etc....
The odds of getting a CLI with Cap1 are a longshot anyway, so it's not like they would have given you an increase even without the late pay...
LOL I know, I get on from time to time just to see if I can make one of them do anything. The scary thing, though, is after a chat was concluded one day, I actually had the "Peggy" I was talking to request me on Facebook
Can you say "VIOLATION OF COMPANY POLICY!"
@logan_720 wrote:
@pizzadude wrote:
+1. Unless you paid 30 days late ( i.e. one month after the due date ) then you should not incur a 30~day late notation on your credit reports. However Cap1 can still ding you for it, either with fees, increased interest rates, etc....
The odds of getting a CLI with Cap1 are a longshot anyway, so it's not like they would have given you an increase even without the late pay...
LOL I know, I get on from time to time just to see if I can make one of them do anything. The scary thing, though, is after a chat was concluded one day, I actually had the "Peggy" I was talking to request me on Facebook
Can you say "VIOLATION OF COMPANY POLICY!"
wow maybe she wanted a date
@john398 wrote:wow maybe she wanted a date
Or a serial killer stalking her next victm. Alec Baldwin could play the pudgy cop in the film who always gets his man and donut.
Capital One reported a 30 day late several months back for me as well. My due date is the 4th of the month and I had paid my bill on the 28th of the prior month. The payment showed on my bank statement and on my Capital One statement. I talked to a CSR and it was removed within a couple days.
Capital One reported, in error, a 30 day late several months back for me as well.
My due date is the 4th of the month and I had paid my bill on the 28th of the prior month. The payment showed on my bank statement and on my Capital One statement. I talked to a CSR and it was removed within a couple days.
@logan_720 wrote:
@pizzadude wrote:
+1. Unless you paid 30 days late ( i.e. one month after the due date ) then you should not incur a 30~day late notation on your credit reports. However Cap1 can still ding you for it, either with fees, increased interest rates, etc....
The odds of getting a CLI with Cap1 are a longshot anyway, so it's not like they would have given you an increase even without the late pay...
LOL I know, I get on from time to time just to see if I can make one of them do anything. The scary thing, though, is after a chat was concluded one day, I actually had the "Peggy" I was talking to request me on Facebook
Can you say "VIOLATION OF COMPANY POLICY!"
Wow! Talk about "big brother watching"!!!