credit score

[Anonymous]

Hi there, my credit history dates back 25 years.  Never had a single negative bit of information. In September I made my 2nd mtg payment on line (so I thought) however they called me 32 days later asking me to make payment over the phone. Of course I was suprised and thought it had already been made.  It dropped my scores 70 points by having 1 late payment, just 1 in 25 years! No collections or judements ever.  They could see I logged in that day however said a pmt was never made.  What can I do to fix this? 

[JM-AM]

Hi and welcome to the forum.

Sorry for the mishap.

Having a clean perfect history is always a great thing and respect your dedication to your success. The now present 30 day late is a negative on your CR's which usually ends up in a major score lose and will have less of an impact as time goes on. IMO I would attempt a GW with them and explain that payment was issued on their site and for some odd reason you later found out it did not go through. 

[MarineVietVet]

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@Anonymous wrote:

Hi there, my credit history dates back 25 years.  Never had a single negative bit of information. In September I made my 2nd mtg payment on line (so I thought) however they called me 32 days later asking me to make payment over the phone. Of course I was suprised and thought it had already been made.  It dropped my scores 70 points by having 1 late payment, just 1 in 25 years! No collections or judements ever.  They could see I logged in that day however said a pmt was never made.  What can I do to fix this? 

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Hello and welcome to myFICO.

I agree that a phone call might be all that is necessary to fix this especially given the fact that your payment history is so clean. It's definitely worth a shot.

Good luck to you.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Hi lambert -

Welcome - sorry your first post is under these circumstances.

Best wishes on the goodwill call - that is definitely what I would do if I were in your shoes.

If, for some reason they don't agree to a goodwill removal immediately, consider trying again after a few more months of your exceptional payment history.

This post is a great reminder to the rest of us to double check online payments.

PDF a copy of the online receipt and confirmation number.

Check the balance of the account in a few days; and

Check your bank account to be sure the payment cleared.

Congrats on your exceptional history!  And glad you're here!