Our content is free because we earn a commission when you click or make a purchase from links on our site. Learn more about how we make money.

Disputing

How to Remove Kohl’s Late Charges From Your Credit Report



Unfortunately, it’s easy to forget to pay a store credit card such as your Kohl’s Credit Card. Many times we simply don’t use them very often and it slips our mind.

The problem is that forgetting to pay your Kohl’s card can result in a huge drop in your credit score when a late payment is reported on your credit report.

Luckily, there are a couple of ways you can get a Kohl’s late payment removed from your credit report.

Keep reading to learn how I removed Kohl’s from my credit report.

How Long Will A Kohl’s Late Payment Stay on My Credit Report?

In addition to your credit score dropping up to 50 points, even a single late payment will remain on your credit report for 7 years from the date it was reported as late.

This means that forgetting a pay a single Kohls payment can interrupt your financial plans for up to 7 years.

Many lenders will refuse to lend money to you, and those who do will raise your interest rates due to having negative items on your credit report.

This is a big deal, so it’s important that you get the entry removed before 7 years.

How I Got Kohl’s Late Payment Removed From My Credit Report

In my situation, many years ago I completely forgot I had a Kohl’s card and was late for 4 months.

These resulted in 4 negative entries on my credit report.

I was already in the process of repairing my credit so I had professional work on getting all the negative entries removed from my credit report.

Anyways, if you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair.

They’ll take care of you. Check out their website.

Ads by Money. We may be compensated when you click on this ad.Ad
Find Locally Licensed Experts
Select your state to get started
HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas
Contact an Expert

Kohls Late Fee Reversal

Kohl’s generally charges a late fee of $25 every time you’re late. Many people have asked if it’s possible to reverse this fee in addition to removing the negative entry from your credit report.

While it is possible, honestly, that would be the least of my worries. Your main concern should be removing the late payments from your credit report, because it’s this that will have a lasting impact on your financial situation.

Unless you have several late fees, you should just pay the late fee. That said, it doesn’t hurt to ask.

If you have been a long time Kohl’s customer and heavily used their credit card, they may be willing to reverse the late fees out of goodwill.

Update: Several readers have written in and said that Kohl’s was willing to reverse the late fee. Again, this might not work every time, but it’s worth a try.

Kohls Late Payment Forgiveness

In order to remove the late payment from your credit report, your first step should be to write Kohl’s what’s called a “Goodwill Forgiveness Letter”.

This is a letter that basically explains why you were late, states that it won’t happen again, and kindly asks them to remove the late payment from your credit report out of “goodwill”.

I have created a goodwill letter template that you can use.

This method works best if you’ve only been late once. If you have multiple late payments with Kohl’s, this probably won’t work.

You can give it a try, but honestly, I wouldn’t count on them forgiving more than one (maybe two) late payments.

Comments


  1. I was late on one silly $5.00 payment to Kohls. They marked my credit as 30days late (I say that the payment wasn’t made when I went to make the next month’s payment so I just paid both together.)
    It has been a year and I came to find out they made this mark. I called to ask that if since it has been a year, and it was only $5.00, and only once in the years I have had the card, if they could remove that mark. They said NO. I always pay early, and rarely have a balance anymore.

    I cannot believe that Kohls treats their customers that cruely. It is just mean to refuse to remove the mark and to require it remain on my credit the full 7 years. It was $5.00 that was paid with the next month’s payment!

    Is there anything that I can do?

  2. I paid my Kohls bill this past weekend realizing I was three days late in paying it. I’ve never had a late payment in my life concerning credit cards and always pay my balance in full. Due to this, I called Kohls immediately Monday morning, and requested they remove the late fee. Because I have been a loyal customer faithful in my payments and never had a late fee before, they removed the late fee. I was also informed that they do not report a missed payment to the credit bureau unless you miss two payments in a row. So my credit score will not be affected. Hope this helps some of you out!

    1. Did they not report it as 30 day late? Same thing happened to me and I am panicked that they’ll report it. I paid immediately, but was 7 days after the due date.

    2. You might want to ck your credit report. Kohls reported me. I didn’t receive my statement. It was due 2/10 and they notified credit bureau 2/14. I cancelled my card and will never shop there again! I did notify BBB and speaking with my attorney friend. They are not to report a 30 day late delinquent unless past 30 days.

  3. Did they not report it as 30 day late? Same thing happened to me and I am panicked that they’ll report it. I paid immediately, but was 7 days after the due date.

  4. In april I changed jobs and applied for direct deposit for my student loan, of which at the time, my existing pmt was 30 days late. (oversight on my part due to job change) I made a payment and asked my student loan creditor if they had reported and was told no, they do not report until >60 days. In May I received a confirmation of approval for direct deposit,as well as, a follow up letter confirming everything was set up and scheduled to draft. Then a phone call asking for payment? The representative stated I was considerably behind and suggested since my direct deposit was going in effect that he could put my account on forbearance to cover the period of time I was waiting for them to process and set up direct deposit. I asked again had I been reported because I thought having made the payment in April that I was current and I was told it had not been reported and the forbearance will protect the account until direct deposit kicked in (early June). In late June, I started receiving notices that my payment was missed…. I called to find out the direct deposit routing number had been entered wrong! So I made another payment and asked again, had this been reported and again was told no but I had to start the process over again for the direct deposit. (Really?? I just scheduled alerts to make pmts timely instead) So, here we are in October, I am house shopping and find the property I am ready to make an offer on, and my lender calls me and asks have I seen my credit? I check my credit yearly, in the Spring, and it was fine… Not perfect but continuously improving and considered good. It now appears my student loan creditor not only reported me back in April… But they reported me 4 times at the same time for the same “late”!! I called and requested this be removed of which they said they would investigate the history and let me know in 5 bus days. After 10, I called to find out its currently being reviewed but not to get my hopes up because they likely won’t remove it. For them to remove it would be committing fraud on their part because they now cannot say it didn’t happen. Furthermore, there is now no documentation of my discussions with them back in April… How is that possible when 10 days ago these conversations were confirmed? I was also told that yes I make one payment to one creditor for my loan but because they disperse 4 pmts across the 4 accounts they set up when my school was funded, it is reported 4 times, not once. Did I mention during the course of all this from April to June they confirmed multiple times that nothing reported? My acct was under forbearance and I made pmts? Needless to say, under these conditions and impact to my credit, I cannot qualify for the house and this will sit there for 7 yrs. I am devastated over this and am not sure where to turn or what to do. How do creditors have have this much power and consumers have no recourse? Please advise.

    1. I have a similar situation. School loan. 2 loans. They reported 4 months late on each loan, despite them supposed to be in forbearance. So total 8 late payments on my report. I have asked for forgiveness but they won’t. I had lost my job and called them to ask for the forbearance, and they didn’t put it in like they said. Jerks.

  5. I had the same issue with a Kohl’s Card. They agreed to remove my late payment from my credit report but it’s 3 months later and the late payment is still showing. They sent me a letter confirming that they requested an update to my account but it’s vague and doesn’t specifically say that it is meant to remove the late payments. I’m very disappointed and would cancel the card if it wasn’t the oldest card in my wallet.

  6. I have the same issue with JC Penny. Looks like I owed them $5 and for some strange reason I did not get my statement (email)until the next billing cycle. I was late by 30 days and they reported to Credit Bureau with the first 7 days.I checked my credit report yesterday and realized how this is impacting me, called and requested them to reverse this but they declined to do so.

  7. I WAS a long time customer and fan of Kohls. In my opinion the store started going down hill about three years ago. I have family members that work in retail and when the stores started opening on Thanksgiving DAY I chose to boycott all of stores that were open and did not do my Christmas shopping at these stores. Unfortunately for Kohls, I not only used do my Christmas shopping there, but I would bring my family to do theirs as well.
    Shopping throughout the rest of the year I started realizing that the prices were getting much higher and the sales were not as good, so I decreased my trips to Kohl’s over the rest of the year. Now I get me credit report and they reported my TWICE for paying past 30 days ! They did call at the time and I paid in full right away but I have never had a late payment reported to an agency or on my credit report until now! Goodbye Kohl’s, it is disgraceful what you have become and how you treat your customers. I will tell as many people as I can!

  8. i have 3 late payments on my card from a fraud purchase. i was out of town when this happened and had no idea, i hadnt used my card in years let alone went into a kohls so when they called me 3 month later asking for my payment i was real confused. it took a couple calls to actually get them to dispute it but i never heard back from them after. im in the middle of buying my first home right now and my credit score has dropped 60+ points! they told me i had to write a letter to their office in Wisconsin and ask when and if it will get removed! is there any number i can call to make this process go faster or am i just screwed?

Leave a Reply

Your email address will not be published. Required fields are marked *

Latest


Meet the Experts

BetterCreditBlog.org’s staff of editorial writers have spent hundreds of hours conducting research, interviewing industry experts, and reviewing the products and services out there to help inform and educate our readers.

Learn More About Our Team