Comments on: 3 Ways to Get a Late Payment Removed From Your Credit Report http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/ Your Daily Guide To Better Credit Sat, 21 Apr 2012 21:58:25 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Jenny http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2334 Jenny Sat, 21 Apr 2012 21:58:25 +0000 http://bettercreditblog.org/?p=62#comment-2334 I requested to have a late payment dating back in April 2009, they said they are unable to satisfy my demand "The modifications can be carried out in the following months, but in your case, it has been too long. We no longer have access to your credit history from 2009." Is this true? I e-mailed saying: Hello, Is there any way to do so? I have heard that other companies have directly contacted the credit bureau to tell them to withdraw this information as they will write down what they are told. If you made a formal request to remove this single late payment directly from Equifax, Transunion, and the third credit bureau they would respect your request. Please let me know what can be done as this is causing me great stress for accessing capital. I requested to have a late payment dating back in April 2009, they said they are unable to satisfy my demand “The modifications can be carried out in the following months, but in your case, it has been too long. We no longer have access to your credit history from 2009.”

Is this true? I e-mailed saying:

Hello,

Is there any way to do so? I have heard that other companies have directly contacted the credit bureau to tell them to withdraw this information as they will write down what they are told. If you made a formal request to remove this single late payment directly from Equifax, Transunion, and the third credit bureau they would respect your request.

Please let me know what can be done as this is causing me great stress for accessing capital.

]]> By: ciecie77 http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2330 ciecie77 Fri, 20 Apr 2012 04:02:14 +0000 http://bettercreditblog.org/?p=62#comment-2330 Hi Ryan, I desperately want to purchase a home, within the next month. I've been trying to bring my credit scores up. I've been late on the walmart card and late on my hsbc card. Walmart closed the account. Is there anyway I can get the late payment erased on this closed account? My current scores are: Trans - 605, Exp - 545 and Equ - 565. Please tell me what I can do to bring up these scores. Thanks for your response. Hi Ryan, I desperately want to purchase a home, within the next month. I’ve been trying to bring my credit scores up. I’ve been late on the walmart card and late on my hsbc card. Walmart closed the account. Is there anyway I can get the late payment erased on this closed account? My current scores are: Trans – 605, Exp – 545 and Equ – 565. Please tell me what I can do to bring up these scores. Thanks for your response.

]]> By: Randy Palmer http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2324 Randy Palmer Tue, 17 Apr 2012 15:06:48 +0000 http://bettercreditblog.org/?p=62#comment-2324 Great job with this information, more importantly #1. I tried that with US Bank and while it was a hard push, it actually worked for two 30 day hits I had. Great job with this information, more importantly #1. I tried that with US Bank and while it was a hard push, it actually worked for two 30 day hits I had.

]]> By: Roby http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2303 Roby Sat, 07 Apr 2012 14:40:37 +0000 http://bettercreditblog.org/?p=62#comment-2303 Macy's is messing with me as well. Suchi, it would be helpful if you could post the outcome of your disputes here. Macy’s is messing with me as well. Suchi, it would be helpful if you could post the outcome of your disputes here.

]]> By: JenC http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2280 JenC Tue, 03 Apr 2012 09:24:55 +0000 http://bettercreditblog.org/?p=62#comment-2280 I have several late payments on a vehicle that was recently paid off...I would like to buy a house soon but that is the main thing holding me back. Any ideas? I have several late payments on a vehicle that was recently paid off…I would like to buy a house soon but that is the main thing holding me back. Any ideas?

]]> By: Suchi http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2158 Suchi Tue, 13 Mar 2012 03:55:11 +0000 http://bettercreditblog.org/?p=62#comment-2158 yup tried one and 2 ..just now filed a dispute with all the three credit bureau yup tried one and 2 ..just now filed a dispute with all the three credit bureau

]]> By: Ryan http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2157 Ryan Tue, 13 Mar 2012 03:33:58 +0000 http://bettercreditblog.org/?p=62#comment-2157 Did you try the techniques above? If not, give those a try. Did you try the techniques above? If not, give those a try.

]]> By: Suchi http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2155 Suchi Mon, 12 Mar 2012 21:30:57 +0000 http://bettercreditblog.org/?p=62#comment-2155 I was late on payment of $18 to macys and i was out of country for two months. They reported it to collection and They could not fix it even after talking to them multiple times . I have asked them to take it off on my credit score which they said they wont do it. They said the only thing i can do is - "You will just call and inform them that you want to dispute the entry on your credit report form Macy's. The numbers to the credit bureaus are as follows: Equifax 1-800-685-1111, Transunion - 1888-397-3742, and Experian - 1-800-888-4213. " . Can you please let me know how to do this? I was late on payment of $18 to macys and i was out of country for two months. They reported it to collection and They could not fix it even after talking to them multiple times . I have asked them to take it off on my credit score which they said they wont do it. They said the only thing i can do is – “You will just call and inform them that you want to dispute the entry on your credit report form Macy’s. The numbers to the credit bureaus are as follows: Equifax 1-800-685-1111, Transunion – 1888-397-3742, and Experian – 1-800-888-4213. ” . Can you please let me know how to do this?

]]> By: susan http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2150 susan Mon, 12 Mar 2012 12:24:07 +0000 http://bettercreditblog.org/?p=62#comment-2150 Ryan, I resolved my small collections they were due to my surgery so I paid them as being the correct thing to do. My other issue is a collection out on my credit report it states as date 9/2011. This card originated in 2008! When I called the credit bureau they state it does not matter the new date of 2011 since it goes by the original collection of 2008. Doesnt it lower my score showing on my report as date 2011? I have never seen another collection show with a new date. Also do you know anything about judgements? I have one from 2009 and I never had papers served with a court date. Can I get this dismissed or vacated? What can I do to remove it from my report/records. I know it is damaging my credit tremendously! thank you Ryan, I resolved my small collections they were due to my surgery so I paid them as being the correct thing to do. My other issue is a collection out on my credit report it states as date 9/2011. This card originated in 2008! When I called the credit bureau they state it does not matter the new date of 2011 since it goes by the original collection of 2008. Doesnt it lower my score showing on my report as date 2011? I have never seen another collection show with a new date.
Also do you know anything about judgements? I have one from 2009 and I never had papers served with a court date. Can I get this dismissed or vacated? What can I do to remove it from my report/records. I know it is damaging my credit tremendously! thank you

]]> By: Ryan http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2136 Ryan Sat, 10 Mar 2012 20:39:35 +0000 http://bettercreditblog.org/?p=62#comment-2136 You're going to have to be more clear on how I can help you :) You’re going to have to be more clear on how I can help you :)

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