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re: Question About PMI/Home Buying (Update on pg 3)
Posted on 4/10/13 at 12:27 pm to LETSGEAUX2
Posted on 4/10/13 at 12:27 pm to LETSGEAUX2
Damn that sucks. I'm sorry to hear that but it happens to the best of us.
Did you try to explain the situation with the CC company? If not, call customer service and ask to speak to a manager. Explain the situation to him/her and ask if you they will do a goodwill deletion of the lates from your credit report.
Assuming that you paid them in full immediately after you discovered your mistake, there's a pretty good chance that they will delete them.
Remember, they gain nothing by destroying your credit but they lose out if they believe you are shell shocked and won't use the card again. It's literally a couple of keystrokes and mouse clicks to make the lates go away, but if you tell them what a huge favor it would be they'll likely do it in the interest of keeping you as a happy card user.
Did you try to explain the situation with the CC company? If not, call customer service and ask to speak to a manager. Explain the situation to him/her and ask if you they will do a goodwill deletion of the lates from your credit report.
Assuming that you paid them in full immediately after you discovered your mistake, there's a pretty good chance that they will delete them.
Remember, they gain nothing by destroying your credit but they lose out if they believe you are shell shocked and won't use the card again. It's literally a couple of keystrokes and mouse clicks to make the lates go away, but if you tell them what a huge favor it would be they'll likely do it in the interest of keeping you as a happy card user.
1
Posted on 4/10/13 at 12:32 pm to ZereauxSum
Man, believe me, I begged Chase for weeks. I sent emails to every executive I could find. I actually got multiple responses from their offices. Unfortunately for me, they said it had been reported because I was so far behind. That really boils my blood to think about. I have no idea when it will be back to normal.
ETA - they did take all the late charges off which were a couple 100 bucks but I would have gladly paid that if I could have my credit back
ETA - they did take all the late charges off which were a couple 100 bucks but I would have gladly paid that if I could have my credit back
This post was edited on 4/10/13 at 12:34 pm
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