Hey all,
I had a question, Ive always been good with my payments but never really followed my scores, in 2012 I rented an apartment and checked and had a score of 730-720-735
now im at 640-675-640 due to a Capital One credit card. About a year ago a got a call from some agency saying I hadent paid my capital one in a while and was both closed and delinquent. The card was one I stopped using and I had enrolled in autopay for $100 a month to simply pay it off slowly, anyways not knowing much I immediatly paid and thought it would show a 30 day late. I put it behind me only to find now it is a 120 day late and is killing my credit. This is the only negative thing, and mind you I paid off my old student loans of 30 thousand in a year, so i thought the score woulda jumped up. Now im screwed with getting student loans for next semsters grad school. The question I have is in the details of my credit report this is what capital one shows, It shows i paid 100 a month for the months I was delinquent, if thats the case and my assumption that scedualed payment means min payment are they in the wrong, or am I missing something completly. And what do you guys is the best course for action, Goodwill to get the tradeline removed, or disputing the whole thing?
Heres my attempt at replicating the table from the credit line. Thanks!
09/2012 10/2012 12/2012 01/2013 02/2013 03/2013 04/2013 05/2013
Balance $478 $554 $498 $546 $592 $599 $645 $692
Schedualed Payment $23 $41 N/R $53 $54 $55 $55 $57
Amount Paid $100 $100 $100 $100 $100 $100 $100 $100
Past Due $0 $0 $0 $72 $124 $178 $178 $288
Rating OK OK OK 30 LATE 60 LATE 90 LATE 120 LATE 120 LATE
.......the rest just say c/o remarks: CBG >PPL< until 09/13
