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CC closed, they show three 30 days late pays after card was closed? How can I fix this?

ToughFistFight
Frequent Contributor

CC closed, they show three 30 days late pays after card was closed? How can I fix this?

Hello,

     I had a bank issued cc.  It was closed in March 2011.  It shows a 30 day late pay in Sept, Nov and Dec 2011.  It cant be as easy as calling the bank and asking them to fix it, is it?

     Thank you so much for all of this knowledge in one spot.  Im sure people say this a lot, I wish I would have found this site sooner. 

 

Have a great one!!!


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Message 1 of 7
6 REPLIES 6
EveWasFramed
Contributor

Re: CC closed, they show three 30 days late pays after card was closed? How can I fix this?

In my opinion, calling the bank is the right place to start. If the account was closed, then it's an error on their part, and they should be willing to fix it immediately considering how damaging that can be to your credit.

 

If they give you some song and dance about why they can't fix it, then I would dispute it with the credit bureaus.

 

Good luck!

Message 2 of 7
hintzmk10
Frequent Contributor

Re: CC closed, they show three 30 days late pays after card was closed? How can I fix this?

Did you close the CC or did the bank?  Was there a balance when it was closed?  If you closed it, it should be a simple fix, especially with a $0 balance. 

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Message 3 of 7
RobertEG
Legendary Contributor

Re: CC closed, they show three 30 days late pays after card was closed? How can I fix this?

Closing of a credit card terminates the ability of the consumer to thereafter increase the debt balance, and thus is used by creditors to limit their liability.  It does not terminate continued obligation for the debt, or accrual of further delinquencies of unpaid debt.

Closing does not per se make the continued reporting of account delinquencies, a charge-off, or a collection inaccurate or in error.

 

In the posted scenario, a dispute is likely to add additional delinquencies.

The Nov and Dec 2011 reporting of only 30-late could likely be reported as a 60 or 90-late.

 

They will all become excluded no later than 12/2018.  Earlier removal can be pursued by requesting a good-will deletion from the creditor.

A dispute is likely to act contrary to any grant of good-will.

Message 4 of 7
ToughFistFight
Frequent Contributor

Re: CC closed, they show three 30 days late pays after card was closed? How can I fix this?

I called the bank, it was a mistake on their part.  They are not sure how it happened.  

Case closed.  Smiley Happy  


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Message 5 of 7
ImaPirate
Established Contributor

Re: CC closed, they show three 30 days late pays after card was closed? How can I fix this?


@ToughFistFight wrote:

I called the bank, it was a mistake on their part.  They are not sure how it happened.  

Case closed.  Smiley Happy  


Congratulations 

Message 6 of 7
jesseh
Frequent Contributor

Re: CC closed, they show three 30 days late pays after card was closed? How can I fix this?


@ToughFistFight wrote:

I called the bank, it was a mistake on their part.  They are not sure how it happened.  

Case closed.  Smiley Happy  


Wow congrats, unbelievable how easy that went Smiley Surprised

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Message 7 of 7
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