Past due payment - Is it possible to re-dispute?

[Anonymous]

My husband had a perfect score, but I somehow forgot to make a car lease payment which went past due, but I ended up paying in full once I found out about it.

He disputed the charge since he had a perfect record, but we are scared that they will deny it. How many times can you dispute same record? Can I redispute it if it’s denied?

Can I also write a goodwill letter stating he never missed any payment and now it’s on autopay so it will not happen again? I feel bad and I want to fix it for him since he is the only one with a clean/good record and our household rely on him. Please advise!

[blindambition]

Disputing a valid late will result in potential score loss. It's not a bureau issue. Bureaus can also make it harder to dispute anything in future, by blocking online dispute option. Then you'll have to provide proof of anything by mail.

Your recourse is to write GW letter to lender who late is with. Ask them for late removal. Understand that they are under no obligation to do so. It was consumer error, not theirs.

[FinStar]

Hello @Anonymous, welcome to the forums.

Was the past due/late payment instance reported on his credit reports?  Who is the lease financed through?

[coldfusion]

Phrased another way,  did you just miss a single payment (not a big deal) or did you miss 2 payments in a row (a much bigger deal)? 

[Anonymous]

---

@FinStar wrote:

Hello @Anonymous, welcome to the forums.

Was the past due/late payment instance reported on his credit reports?  Who is the lease financed through?

---

Hello, thank you for your reply.  Yes, it was reported to the CB this month.  The lease is through Chrysler Capital.

[Anonymous]

It was just a single payment that was missed.  We never missed a payment ever and now his credit dropped by 80 points. 

---

@coldfusion wrote:

Phrased another way,  did you just miss a single payment (not a big deal) or did you miss 2 payments in a row (a much bigger deal)? 

---

[Anonymous]

Can they go back and reverse it? do you recommend calling the lender or sending them a GW in writing will be my best way to communicate with them? how about disputing it through credit karma? 

---

@blindambition wrote:

Disputing a valid late will result in potential score loss. It's not a bureau issue. Bureaus can also make it harder to dispute anything in future, by blocking online dispute option. Then you'll have to provide proof of anything by mail.

Your recourse is to write GW letter to lender who late is with. Ask them for late removal. Understand that they are under no obligation to do so. It was consumer error, not theirs.

---

to communicate with them?

[RobertEG]

The FCRA has no provision for appealing the results of a completed dispute, and does not permit the filing of multiple disputes that are the same as a prior dispute.

The CRA can dismiss any subsequent dispute that is substantially the same as a prior dispute as being "frivolous or irrelevant."

In the situation presented in the post, it appears that the first dispute itself could have been dismissed as "frivolous or irrelevant" without any need for investigation, as it does not provide a factual basis for asserting inaccuracy of the reported delinquency.   See FCRA 611(a)(3)(A).

It only asserts that the delinquency should be excused for reasons other than an actual lack of delinquency.

Such as request for removal of a delinquency should be handled by way of a good-will request sent directly to the creditor, and not by way of a dispute to the CRA asserting inaccuracy of the reporting of that delinquency.

[coldfusion]

---

@Anonymous wrote:

It was just a single payment that was missed.  We never missed a payment ever and now his credit dropped by 80 points. 

---

@coldfusion wrote:

Phrased another way,  did you just miss a single payment (not a big deal) or did you miss 2 payments in a row (a much bigger deal)? 

---

---

An 80 point drop is not out of line hrere.    As an aside you should check the terms and conditions of the loan to see what if any grace period exists before the loan is reported as being late so moving foward you'll know when to doublecheck that payment was made.

You definitely want to try calling or writing a goodwill letter since this was your first offence.

[sxa001]

100% agree with the other posters, do not dispute it if is valid and within their legal reporting periods  The goodwill route is the best route, I thik writing letters is the best.  You may have to send multiple letters.  They may or may not remove the late but a 30 day late will hurt your score for a while so best to do what you can.  

If they have an option for auto-pay I would suggest setting it up as a backup to avoid this kind of thing. Most of us have been in the same boat at least once where we legit got busy with life and missed a payment, the backup auto-pay can really come in handy.