What do I when I have a recent late payment on an open credit account that I cannot close, and can’t pay off?
July 4th, 2017 4:00 pm | By admin | Posted In credit report
Let’s say for example, you have an open mortgage and you were late two months ago and you cannot get rid of the mortgage. You have to skip the mortgage payment, but you need to remove the late payment to fix your credit. How do you deal with that?
The way you deal with that is first is that you contact the creditor repeatedly and ask them to remove it. Start with the fact that it was the first time you were late or that it’s damaging your credit. You can also mention that you were thinking of buying a car or making some major life purchases and it’s just destroying your life. Most of the time if you ask nicely, they will remove it if it was just a one-time thing.
If that doesn’t work, then you have to start to be demanding. Start asking for proof of exactly when you made your payment, how you made your payment, proof you were notified that the payment was due. Ask for proof of everything and chances are that they will not be able to provide the proof or be too lazy to provide it to you. You can then tell them, I requested proof and you didn’t send it to me. I need this off my credit report. It’s damaging my credit.
It is very important that you keep a record of your conversations and your emails to your creditor, and if they take more than thirty days to provide proof, then you can discredit this directly with the creditors and say, I asked them for proof, they can’t provide the proof, and it’s been more than thirty days. Here is the proof of the emails I sent to them so therefore you must remove it. Then the creditors will have to remove it. This is how you remove late payments on currently open accounts.
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