I have been rebuilding my credit for the past 2 years and I have not had a late payment since about 10/2015.
My Fico scores were about 660 -- 680 range until a couple days ago when a 30 day late to my Capital 1 Quick Silver card was posted to Experian and Equifax.
My Experian dropped from ~ 662 to 618 due to the 30 day late, ugh.
My Equifax dropped from 670 to around 600.
I made an on time payment to Capital 1 on 01/30/2019 (payment due date 02/01/19) but they said the payment did not go through and my bank rejected the debit. I had funds in my account to cover the payment. I think I may have tried to pay with a debit card. (not sure what happened exactly). I ususally pay with my checking account. I never received noticed any payment was not processed. If I had I could have corrected the issue.
There was another payment I was supposed to make to this Cap 1 account dute date by 03/01/19. However, I paid on 03/05/19 about 4 days past due late. Honestly, I lost my focus for a few days last week because I was laid off my job last week and realized a few days past the due date I was supposed to make a payment.
I called cap 1 rep and explained the situation andone of supervisor told me the payment I made on 01/30/19 was returned by my bank as not processed. I explained I was never alerted to the returned payment or called by a CSR from Cap 1. 'If I had been alerrted I would have paid immediately. They also noted I was a few days late on my March payment, about 4 days late. They told me to disupte via CRA.
My question is how can I get the 30 day late removed from my credit report. What are the Chances with Cap 1?
Should I write a goodwill letter to their Executive office and explain I was recently laid off and that is part of reason I was about 4 days late on March payment?