Hi, I'm new to this forum and need advice on how to remove a 90 day late on my credit report. It was a honest mistake between myself and the bank that loaned me the money. I thought we had set up a automatic withdrawl from my checking account. by the time i found out it was 90 days late. Im refinancing my home and this is the only thing in the way .Please i need help as the bank wont do anything. Thanks
You can always try disputing some inaccurate or missing information regarding the 90-day late through the CRAs. Who knows, you may get lucky and it'll result in a deletion. Other than that, you're only option is to convince the bank to remove it for you out of the goodness of their hearts, which it sounds like they're not willing to do.
Thanks for your advice Josh. I tried with the bank and it seems they are not willing to remove them. What type of a letter should I send the CRA Thanks
Send a very simple dispute letter. There's a "Dispute an entry on your credit report" template in the Sample Letters section if you want to use that as a guide.
