@Anonymous wrote:
I would use Experian's dispute system and dispute that late, putting in the comments that you don't see a late on your hard copy report and you know you weren't late. Normally I would suggest a phone call but with COVID-19, pretty sure you wouldn't be able to get through. You want to get this taken care of ASAP because you don't want that incorrect score to cause other lenders to take action against you.
Have you tried calling Discover? Maybe offer to pay off the balance for an off cycle report and that will fix it? Disco is great about off cycle reporting.
ETA: was typing too slow lol.
Finally got through a supervisor and someone who understood what the problem was. She opened up a ticket with tech support to fix the issue and asked me to give it 3 days for resolution.
Meanwhile i requested discover an off cycle report for $0 balance/paid off. They said it will take 2 days to update.
