1 blemish due to error

[Anonymous]

Last June was a stressful month due to a few Covid scares in our family and when I paid my car payment online I must have mixed up my PNC car loan amt with another car loan amount resulting in a $100 underpayment without realizing it.  I pay everything online and often way before the due date and I don't recall getting any PNC underpayment alerts.  I didn't realize my mistake until the following month and immediately contacted PNC to explain and bring the account current, but PNC went ahead and reported the underpayment as a 30 day late payment.  This is the one and only negative mark on my perfect credit report and I think it continues to lower my score.  Other than this  I have an exceptional payment history with all my lenders.

Is it possible to get PNC to reconsider and remove this negative mark & is it worth the effort at this point?

[Sandman771]

I think I read somewhere that someone had good luck with GW with PNC, but I can't say for sure. It never hurts to try GW letter to them and see what happens. Especially explaining it like you did so succinctly. Good luck and keep us posted. 

[Brian_Earl_Spilner]

It's definitely worth attempting to get it removed as a single derogatory could cost you 30-100 points for the next 7 years depending on what it is.

[mja1970]

I would send them a letter asking for a goodwill deletion.  If you have an otherwise good payment history with them and explain that is was an honest mistake made during a stressful time in your life, I don't think they'll have any problems deleting it.