Hey guys I have tried on phone several times they say they will put a mark to have it investigated neevr do then get letter saying they wont remove the accurate information however they in error The line of credit was paid off In sept balance transfer but then I guess with interest $5 was left being due.Oct no statement or bill saying payment due for oct was ever gotten. Beginning of Nov I called to make sure no payment was due and when next payment was due I was told Nov 23 So I didnt worry about it then I get anotice in mail saying I missed payment for Oct 23 of a lousy $5 less then pack of cigs and they want to report 30 days late when its their fault for not telling me any payment was due for oct 23rd Nothing in mail and nothing on phone. This only thing really hurting my credit plus some credit cards balances need be paid down and reported with changes. I have never had a 30 day late in over 2 years with fleet which is now bank of america. I need get my score bac k up for a home loan, I tried disputing with the credit bureua no luck should I pay for one those credit specialist?
