@Anonymous wrote:
Hello all,
I have a closed (by me) FCNB Spiegel Account that just reported me for 30-day late payment. I've had this account for more than 25 years and never been late once. The remaining balance is in the low $2K and I have no idea why they reported this. The only thing I can think of is I recently moved (in May) and perhaps a statement got lost in the shuffle. I have made payment since I moved (at the new address). If I was indeed late/missed a payment, I never receive any reminder or call/voicemail about it. Is there any thing I can do to remove this from my credit report? Thanks.
The first course of action is to call the creditor and figure out if indeed you were actually late. If so, perhaps a goodwill letter will get them to remove the late.
FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
