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Late payment deletion question

haleyjen
Regular Contributor

Late payment deletion question

I'm trying to get a debt consolidation loan, and to do so I can't have a 30 day late in the last 60 days - I haven't had one for a year, and then one creditor reported one in December which was incorrect.  I sent them the proof, and they agreed I was correct and agreed to delete it.  It's off two credit bureaus, but still showing on the one I need (experian).  They sent it on 3/10, any idea how long this will take?

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Message 1 of 6
5 REPLIES 5
gdale6
Moderator

Re: Late payment deletion question


@haleyjen wrote:

I'm trying to get a debt consolidation loan, and to do so I can't have a 30 day late in the last 60 days - I haven't had one for a year, and then one creditor reported one in December which was incorrect.  I sent them the proof, and they agreed I was correct and agreed to delete it.  It's off two credit bureaus, but still showing on the one I need (experian).  They sent it on 3/10, any idea how long this will take?


It can take up to 2 weeks depending on how it was reported.

Message 2 of 6
haleyjen
Regular Contributor

Re: Late payment deletion question

Ok, thank you.  Is it worth calling if it goes longer than that?

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Message 3 of 6
haleyjen
Regular Contributor

Re: Late payment deletion question

It's been over two weeks - should I call experian?  

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Message 4 of 6
donkort
Valued Contributor

Re: Late payment deletion question

That might not be a bad idea.  Nothing to lose by calling.

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Message 5 of 6
haleyjen
Regular Contributor

Re: Late payment deletion question

Will do.  Also spoke with creditor and they said they'll resubmit deletion.

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