There is another thread on this as well.... but I cannot comment on that thread.
https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CreditOne-Late-Payment-Removal-Success/td-p/...
Im in the process of applying for a mortgage and was devastated to find Credit1 reported a 30 day late!
I paid the full amount of the card in August (its Nov now). I saw the balance go to zero and put that card to the back of my mind as we have other more pressing priorities.
I am enrolled in the paperless billing yet I didnt get any notifications, phone calls, or messages.
Turns out they added a $3.16 interest fee (and that annual fee they break up into a monthly fee), a late fee, then reported it 30 days late.
Calling the customer serivce number was useless. They sent me to the collection department where you leave a message and they say you will get a call back in 24 hours. That never happened.
I finally sent an email listing all the facts (and I would also try a Goodwill Letter if there are no extenuating circumstances) to the executive customer serivce contact. I would not send it to the CEO as that seems to result in a less favorible result.
https://www.elliott.org/company-contacts/credit-one-bank/
The next day I called their number and got transferred to a person in the Executive Office, they said the case was already opened and promised a call back form the person the case was assigned to.
I got that call 30 minutes later, and they removed the 30 day late, and emailed me a letter stating that they did. I also got a call back to make sure I got the letter.
They offered to directly contact the mortgage company as well if I needed them to do that.
I cannot list name or numbers on here, send me a message if you need to.
