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Late payment removal strategies?

Discussion in 'Credit Talk' started by das72071, Apr 2, 2002.

  1. Apr 2, 2002 #1
    das72071

    das72071 Well-Known Member

    Does anyone have any strategies for late payment removal other than goodwill letters or repeated disputes with CRAs. I have failed miserably in my attempts using these tactics to get late pays removed and any suggestions would be much appreciated.
     
  3. Apr 3, 2002 #2
    lbrown59

    lbrown59 Well-Known Member

    Make creditor prove the dates due and paid.
     
  4. Apr 3, 2002 #3
    das72071

    das72071 Well-Known Member

    Thanks Lbrown. Are creditors required by law to provide proof of late payments?
     
  5. Apr 3, 2002 #4
    Andrew

    Andrew Well-Known Member

    I seems that if they can report false information, they better be able to prove it.
     
  6. Apr 3, 2002 #5
    keltexx

    keltexx Well-Known Member

    Fair Credit reporting act, section 623. Check it out.
     
  7. Apr 3, 2002 #6
    lbrown59

    lbrown59 Well-Known Member

    If they didn't they could say you were late any time they wanted to and charge you all kinds of bogus late fees and you would be stuck with always having to pay up.
     
  8. Apr 3, 2002 #7
    lbrown59

    lbrown59 Well-Known Member

    Any time anyone is claiming they are owed money they had better be able to prove it.
     
  9. Apr 3, 2002 #8
    GEORGE

    GEORGE Well-Known Member

    We had a late fee show up on one of our FIRST USA accounts...they said it was late...I SAID NO WAY!!! MY BANK SAID NO WAY!!! FIRST USA backed down "COMPUTER ERROR".

    They tried to get away with saying it was POSTED one week AFTER it CLEARED my checking account!!!
     

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