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30 Day Credit Card Late Payment
How Can I Get Rid of a 30 Day Late Payment
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7 Replies
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o remove a 30-day late payment from your credit report, you can try the following steps:
- Contact the Creditor: Request a goodwill adjustment if you have a good payment history.
- Dispute the Late Payment: If the late payment is incorrect, dispute it with the credit bureaus.
- Negotiate a Pay-for-Delete Agreement: If applicable, offer to pay the balance in exchange for removing the late payment.
- Request a Rapid Rescore: If the creditor agrees to remove the late payment, your lender can request a rapid rescore.
Persistence and maintaining good credit habits can help improve your credit over time.
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I heard Discover Credit Card was the worst. Discover does not believe in good will one time forgiveness. They talk about being a federal law and it is beyond their control. My credit card company reported me 30 day late on the credit bureaus. I spoke with them and they said there is nothing they can do. I asked to speak to a supervisor, and they supervisor said there is nothing they can do. I called in to the credit card company when they took the whole balance from my direct pay from my checking account. It was supposed to take off the minimum amount due. I called them and had the entire balance payment changed to the minimum payment due. Well, they gave me credit for the balance payment they took off but did not take the minimum payment due. Now I have a 30 day late payment on my credit report which dropped my credit scores and the derogatory credit reporting stays on my credit for seven years. What can I do to have this corrected and get the late payment removed?
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I understand your frustrating situation and that you want to fix it as soon as possible. Here are some steps you can take if you want the late payment removed:
Gather records
Collect any documents that are related to this issue. This might include bank statements, credit card statements, or notes of conversations you have had with the credit card company.
Write a goodwill letter.
Write a detailed explanation of what happened in the payment process and request that they remove this occurrence from your credit history out of goodwill.
If applicable, mention how often this mistake was made before by emphasizing on-time payments made in past months and years.
Dispute with credit bureaus
- Contact each bureau (Equifax, Experian, TransUnion) separately.
- Do not contact one bureau and expect them all to be notified.
- Each communication should have an envelope addressed to that company’s dispute resolution department.
Be sure to submit copies (not originals) and track who you spoke with at the bureaus and any reference numbers they provide.
Submit a complaint to CFPB (Consumer Financial Protection Bureau)
- CFPB has a role in helping consumers get responses from companies they have a problem with.
- File a complaint here: consumerfinance.gov/complaint/
- Take it up higher within the company.
- Ask customer service representatives if someone above them might have more power/authority.
- Ask about the contact information of the executive office or CEO.
You may also want to consider:
Professional Help
Consider hiring an attorney specializing in these types of cases (consumer law attorney). They can help guide you through the process and ensure everything is done correctly.
Pay For Delete
As a last resort, offer to pay additional money in exchange for removing the derogatory mark from the record completely; however, most companies do not agree to such terms.
Keep watching your credit: Check every month for the next few years (at least annually) to ensure everything stays clean on all three reports. This way, it’ll be caught early if anything pops up again!
Know Your Rights: Learn about the Fair Credit Reporting Act to determine your options.
Be Persistent:
- Don’t give up after the first attempt.
- Sometimes, persistence pays off when dealing with large corporations like Discover Financial Services.
- Remember that credit card companies are not legally required to remove accurate negative information from your credit report.
- Still, they may be willing to work with you on this if it was a one-time mistake and you have a good history of making timely payments.
- Also, while Discover has earned a reputation for being somewhat inflexible regarding goodwill adjustments, there might still be other things worth trying.
Keep going higher: Try reaching out higher within their organizational structure. Executive-level staff members often have more leeway.
Keep records: Keep track of everything you and Discover do/say/agree upon. Include dates/times/who you spoke to.
File a formal dispute: Write to them directly by certified mail explaining exactly how their error caused the late payment(s) and asking them to fix it immediately.
Rewrite your cardholder agreement: Verify that Discover did not follow any rules when processing the payment.
Keep Trying: Don’t give up so easily. Sometimes, it takes more tries than the first or second attempt.
The way forward is to make a good credit history:
- When you cannot have something deleted, consistently make timely payments.
- As time goes by, the impact of one late payment decreases.
Think about what you want to do if they won’t cooperate:
- Consider dropping Discover as your provider if they keep being stubborn.
Remember this for next time:
- Make sure to get all changes about payments in writing and check back until processed correctly.
- While referring to federal law, remember no legislation prevents them from removing a late payment.
- This is their policy, not compulsory by law.
- Keep insisting it was their fault because they mishandled your request to change when the bills are due.
When everything else fails, consider that the negative effect on one’s credit score from a single 30-day late payment tends to decrease, especially if other payments are made promptly around that period. It can be frustrating when a creditor like Discover does not offer goodwill adjustments for a legitimate error. Here are the steps you can take.
Document Everything: Collect all records of communication (emails/letters), receipts, and bank statements showing your payments were made on time before the due date.
Dispute with Credit Bureaus: Contact Experian Equifax TransUnion directly, disputing these charges based on supporting documents provided, such as canceled checks and money orders.
CFPB Complaint: If disputing does not work, file a complaint against Discover Financial Services LLC at http://www.consumerfinance.gov/complaint/.
Legal Advice: If all else fails, seek consultation with an attorney who specializes in consumer protection laws regarding financial institutions like Discover Financial Services LLC.
Persistent Resolution of Disputes.
consumerfinance.gov
Submit a complaint | Consumer Financial Protection Bureau
Find information and tools to submit a consumer complaint to the Consumer Financial Protection Bureau.
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Discover is the worst of the worst credit card company. I am surprised that Discover is even in business. After finding out that Discover Credit Card Services made a mistake on my Discover Credit Card, I contacted them on July 2nd, 2024. The error was that Discover Credit Card withdrew $750.00 credit card balance instead of the minimum balance due which was $35.00. Discover Credit Card reported me 30 days late when I specifically called on July 2nd, 2024 to change my auto monthly payment from taking out the full balance to the minimum payment due. The representative of Discover Credit Card Services did not follow my directions and reported me 30 day late. Discover did give me a refund on the $750.00 two days later, but I contact my bank at the end of the day and asked if I got a credit. The bank said no. I told my bank that I am supposed to get a credit from Discover and that Discover is authorized to withdraw payments up to $100.00 unless notified. Discover did not withdraw the minimum amount due like I told them to and reported me late on the credit bureuas. I contacted Discover after I noticed they reported me 30 day late to all 3 credit bureuas but they said there was nothing that they can do. Fraud and very not fair to the consumer. I will address this to all review portals and the FCRA, FTC, and CFPB. NEVER in my life have I ever deal with such incompetent people. I escalated my complaint to a supervisor, Eve from New Jersey, and she was absolutely worthless. She said file a complaint with the FCRA and CFPB and sue us if you like. Supervisor Eve from NJ. is one of the WORTHLESS people I have ever encountered in my life. Stay away from Discover Credit Card Services. They are the worst of the worst and will do more damage than help.
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I’m sorry to hear about your experience with Discover Credit Card Services. It’s frustrating when mistakes like this negatively impact your credit. Since Discover has not been responsive to your requests, filing a formal complaint with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) may be your best next steps. These agencies can investigate the matter and possibly resolve the issue. Additionally, you may want to consider disputing the late payment directly with the credit bureaus using any documentation you have.
If you need assistance with the complaint process or further guidance, feel free to ask.
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Discover Credit Card Services is the worst Credit Card Company in the United States. They practice fraud.
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I know you’re mad at Discover Credit Card Services right now. This sounds stressful and wrong. Here are the things that I think are most important and what you could do next:
Key points:
- They didn’t take out the minimum payment like they were supposed to but instead took out the full balance.
- After taking out too much money, they gave it back but then still needed to take out something.
- Even though you fixed their mistake as soon as possible.
- They told credit bureaus that you were 30 days late.
- So far, no one in customer service (including a supervisor named Eve in NJ) has helped fix any of this.
Possible next steps:
- Document everything.
- Write down all dates, times, and names of people spoken to at Discover (including supervisors).
- Gather all statements and communications that might be relevant.
Formal written complaint: Send detailed complaints (with supporting docs) to Discover’s headquarters via certified mail.
Regulatory complaints: File complaints with your state’s CFPB, FTC, and AG. Sometimes, these agencies can help resolve issues when direct communication doesn’t work.
Credit bureau disputes: File formal disputes with Equifax, Experian & TransUnion. Provide all supporting docs.
Consider legal advice: Talk to a consumer protection lawyer. You may not be aware of certain options.
Public awareness: Posting reviews about this bad experience can warn others about what happened. Try to stick with just the facts so it doesn’t become libelous.
Executive escalation: Try contacting someone higher up than customer service. Executive offices or the CEO’s office could help better.
Social media: Sometimes, companies respond faster if issues are raised on platforms like Twitter or Facebook, where others can see them. As frustrating as it is for me just typing this all out (and I’m sure even more so for you living through it). Try not to lose your cool when dealing with anyone throughout this process. It’s not fair that you must put in the effort. But being level-headed and sticking strictly to the facts gives you the best chance at a good outcome.
It’s also a good reminder for me (and anyone else reading this) to stay on top of my financial accounts and credit reports. You never know when something like this might happen, so it’s important to check statements often and address errors immediately.