A credit card that I NEVER use charged an annual fee to my account, which I did not notice, and then a late payment since I did not pay it. I called the bank and closed the card immediately and the waived the fee and late payment amount. I just got an alert from my fico that my score dropped 50 points! Ordered a copy of my credit report and sure enough, they reported me 30 days late. What to do now? I am sure the next time they report it will show a zero balance and a closed account. What about the late payment? Should I dispute this? Just when I was approaching 700, WHACK! 50 POINTS!
Yes, GW it. Technically they reported it accurately, as much as it sucks. I'd get the contact info for a supv. and humbly appeal to them for help. You certainly didn't deserve it, but that's the caveat of those annual fee cards.
I made the terrible mistake of not opening the bill. 99% of my bills are ebills so when I get the paper bills they go into the shredder. I never used this card so I just assumed a zero balance each month.