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DansDeals Forum => Credit Cards => Topic started by: peace123 on September 05, 2017, 03:22:09 PM

Title: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on September 05, 2017, 03:22:09 PM
Never knew this until yesterday when i logged in on my Barclay aadvantage card account where the $2: 60 charge  due in early July was late by 60 days. I paid all including the $22 in late fees. I was supposed to have my statement sent to my email.

My score was about 800 always and now today it is 726. Credit karma report says the following.


New Delinquent Status Reported
There is 1 account reported as delinquent on payments on your credit reports.
Account    Type    Balance    Days Late    Reported By
BARCLAYS BANK DELAWA    Credit Card    $12    60 days late    Equifax
BRCLYSBANKDE    Credit Card    $12    30-59 Days Late    TransUnion


I spoke to Barclay card rep to help me with removing the negative report but they told me they simply can't and just asked me to contact the credit bureau myself.

What tips can you provide for successful removal of the late payment report  my score  back to what it was?

It seems Equifax doesn't pick up phone? Trans union rep told me they will file dispute for me.

Thanks
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: AJK on September 05, 2017, 04:00:03 PM
Disputing has a low chance of success, unless Barclay's simply ignores the CRA.

The only way to do it is via Barclay. Try a "goodwill letter."
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: jackofall on September 05, 2017, 04:01:18 PM
Disputing has a low chance of success, unless Barclay's simply ignores the CRA.

The only way to do it is via Barclay. Try a "goodwill letter."
I had success disputing with Citi.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on September 05, 2017, 04:18:11 PM
Disputing has a low chance of success, unless Barclay's simply ignores the CRA.

The only way to do it is via Barclay. Try a "goodwill letter."

Please explain " goodwill letter" and how to do it! My english skill is  not as good as yours or anyone else on dansdeals.  I spoke to barclay card rep and supervisor, they said they have ZERO or can't do anything cos all late payment are automatic and they can't remove late payment remark for me and that I have to call the credit bureau. My creditkarma report sahs 60 days late reported to Transunion and Equifax, I was able to speak to Transunion rep on phone to dispute  but not Equifax cos it is all automated. Equifax report  DOES NOT show any negative remarks & I found nothing thatw as late in Equifax . Weird?

Anyway, I just sent secure message  through my barclay account category? other account related inquiry:

Dear Sir/Madam

I  see that my credit score dropped by 55 points due to a late/missed payment report on my card ending in  ****.. There was a $2.66 charge in June 2017 that is reported late. I didn't intentionally  not pay that amount on time. It seems to be an error because I never received email notification of the statement at the time and I also didn't receive mail statement. When I checked my  account yesterday, I  learnt that there was a payment that was past due and I immediately made the full payment online. I asked the card representative today to turn on mail statement delivery so I do get my monthly statement.
I sincerely request you to get the negative late payment remarks removed from my credit bureau agency.

Thank you

Sincerely

***** *****
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: David Smith on September 05, 2017, 04:20:37 PM
Regular SM won't do much. Send a letter to corporate.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: ChaimMoskowitz on September 05, 2017, 04:56:23 PM
Try a "goodwill letter."
Regular SM won't do much. Send a letter to corporate.
Winner winner chicken dinner!!! Maybe someone here can share a GW letter they used.
Remember they have all the power. Lay it on but not to thick. Take full responsibility for the late payment.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on September 05, 2017, 09:23:59 PM
I sent SM asking for help in removing the negative remarks. Better yet I was lucky to find Barclay corporate office number after doing a google search and someone picked up the call,  and the lady took my info, she had access to card account and told me she will see what she can do and gave me  a week or two and gave me her number and ext number. I told her I did file dispute with Transunion and she told me that will be handled by Barclay credit dispute team and she will do her own investigation separately to see she can have it removed!


I really don't know what they will do , hope it works for me in the end to bring my  score up to 800 from the 726.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: ChaimMoskowitz on September 05, 2017, 09:38:51 PM
I really don't know what they will do , hope it works for me in the end to bring my  score up to 800 from the 726.
What CK has your score at is 100% useless.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: yitrap on September 06, 2017, 12:44:35 AM
Maybe someone here can share a GW letter they used.

If not google it, there are many examples of letters you can edit.


Here are two links from a quick search


http://ficoforums.myfico.com/t5/General-Credit-Topics/GW-Example-Letters/m-p/4521#M127809

https://www.clearpoint.org/blog/how-to-write-goodwill-letter-diy-credit-repair/
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on September 06, 2017, 10:54:54 AM
If not google it, there are many examples of letters you can edit.


Here are two links from a quick search


http://ficoforums.myfico.com/t5/General-Credit-Topics/GW-Example-Letters/m-p/4521#M127809

https://www.clearpoint.org/blog/how-to-write-goodwill-letter-diy-credit-repair/ I posted update  above . Waiting to see what the executive rep will do now
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on September 09, 2017, 02:04:54 PM
I received the letter from Barclay office of the president that says " we have completed our investigation and agree to change the information that has been reported. Specially, we have removed the late payment history that you disputed" Pls allow 30 days for the changes to appear on your credit reports".

That means Barclay will notify all three credit bureau agencies for me & I don't have to contact each bureau?
  Does it really take up to 30 days for the negative remark to be removed?

I just checked my credit reported & called Transunion dispute dept and they told me  there is still no update & negative remarks remains.

 Creditkarma report shows the 60 days late  is reported to both Transunion & Equifax but Equifax credit report that I checked doesn't show any negative remarks on my Equifax report. Wonder why?

UPDATE:
 Just checked creditkarma and my score is back up to 823 & 820 from  740 and says updated 11 hrs ago.
IT sure looks like the negative remark is removed!   So glad and  so quick!
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: yitrap on September 09, 2017, 10:27:21 PM


UPDATE:
 Just checked creditkarma and my score is back up to 823 & 820 from  740 and says updated 11 hrs ago.
IT sure looks like the negative remark is removed!   So glad and  so quick!



What CK has your score at is 100% useless.

Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: mmgfarb on September 09, 2017, 11:52:53 PM

The score isn't important, the fact that the late payment was removed from his CR is what matters.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: yitrap on September 10, 2017, 12:17:15 AM
The score isn't important, the fact that the late payment was removed from his CR is what matters.
That's why I didn't quote his whole post
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on September 10, 2017, 01:00:21 AM
The score isn't important, the fact that the late payment was removed from his CR is what matters.
Agree the later part but what you mean the score isn't important? You mean my score at 725 after the late payment remark is still high?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: mmgfarb on September 10, 2017, 01:02:22 AM
Agree the later part but what you mean the score isn't important? You mean my score at 725 after the late payment remark is still high?
Well 725 isn't that bad but that wasn't what I was talking about, just that the CK score isn't important.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Mendelssohn on September 11, 2017, 08:13:50 AM
Agree the later part but what you mean the score isn't important? You mean my score at 725 after the late payment remark is still high?

Credit Karma doesn't use FICO scores and what they provide could be off by 100+ points in either direction.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: noturbizniss on September 11, 2017, 10:15:04 AM
Credit Karma doesn't use FICO scores and what they provide could be off by 100+ points in either direction.
Agree the later part but what you mean the score isn't important? You mean my score at 725 after the late payment remark is still high?
Your better off relying on the dansdeals poppyseed score. Much more reliable than ck score
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on September 11, 2017, 12:41:04 PM
Your better off relying on the dansdeals poppyseed score. Much more reliable than ck score
i love CK for the free credit reports which are updated so frequently it is that where I found the late payment negative remarks . Theie score  feature is nice too though not as accurate as the fico score provided by the credit card companies. But still if it is bad it will show very low score  so I love ck
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: shmaichel on February 19, 2018, 01:42:55 PM
I sent SM asking for help in removing the negative remarks. Better yet I was lucky to find Barclay corporate office number after doing a google search and someone picked up the call,  and the lady took my info, she had access to card account and told me she will see what she can do and gave me  a week or two and gave me her number and ext number. I told her I did file dispute with Transunion and she told me that will be handled by Barclay credit dispute team and she will do her own investigation separately to see she can have it removed!


I really don't know what they will do , hope it works for me in the end to bring my  score up to 800 from the 726.

Can you please share the number of the corporate office you spoke to? I've been trying all day with no success and would love a direct contact number to try to take care of a similar situation.

Thanks!
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 01, 2019, 12:47:53 PM
My credit score dropped but 80 points from a $27 payment that I didn't realize was from barclays :'( :'( :'(

What can I do???

Barclays Directed me to write to here:

FCRA Credit Bureau disputes
P.O. Box 8803
Wilmington DE 19899


Include Account #, name address and phone #
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: 12HRS on February 01, 2019, 12:50:19 PM
@PillanSmye should have the best advice
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 01, 2019, 12:54:29 PM
@PillanSmye should have the best advice
Last Active: November 02, 2018, 09:57:18 AM   :'(
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: ckmk47 on February 01, 2019, 01:43:38 PM
My credit score dropped but 80 points from a $27 payment that I didn't realize was from barclays :'( :'( :'(

What can I do???

Barclays Directed me to write to here:

FCRA Credit Bureau disputes
P.O. Box 8803
Wilmington DE 19899


Include Account #, name address and phone #
Was the score drop a FICO score? Does your credit report have the late payment?
Start with Barclays.  See if you can call corporate or write a 'good will letter' asking them to remove the late payment from the credit bureaus.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 01, 2019, 02:47:37 PM
Was the score drop a FICO score? Does your credit report have the late payment?
Start with Barclays.  See if you can call corporate or write a 'good will letter' asking them to remove the late payment from the credit bureaus.
I'm paying a guy $350 to take care of it, hopefully the Goodwill letter that he sends will work, Barclays are mamzerim
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: LoLo on February 01, 2019, 02:57:04 PM
You missed it for 2 billing cycles?

Why don't you send a goodwill letter yourself? Plenty samples online.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 01, 2019, 04:23:35 PM
You missed it for 2 billing cycles?

Why don't you send a goodwill letter yourself? Plenty samples online.
2 cycles I think, 2/3 bearues have it as 1 missed though. I don't want to send a "less effective" Goodwill letter, and this guy for $350 will also cover the next steps if c"v needed...
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 05, 2019, 06:03:32 PM
Never knew this until yesterday when i logged in on my Barclay aadvantage card account where the $2: 60 charge  due in early July was late by 60 days. I paid all including the $22 in late fees. I was supposed to have my statement sent to my email.

My score was about 800 always and now today it is 726. Credit karma report says the following.


New Delinquent Status Reported
There is 1 account reported as delinquent on payments on your credit reports.
Account    Type    Balance    Days Late    Reported By
BARCLAYS BANK DELAWA    Credit Card    $12    60 days late    Equifax
BRCLYSBANKDE    Credit Card    $12    30-59 Days Late    TransUnion


I spoke to Barclay card rep to help me with removing the negative report but they told me they simply can't and just asked me to contact the credit bureau myself.

What tips can you provide for successful removal of the late payment report  my score  back to what it was?

It seems Equifax doesn't pick up phone? Trans union rep told me they will file dispute for me.

Thanks
@peace123 What ended up happening?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 05, 2019, 07:45:58 PM
I'm paying a guy $350 to take care of it, hopefully the Goodwill letter that he sends will work, Barclays are mamzerim
chaval U could get all templates for 9$ including explanations and support.https://www.609creditrepair.com/
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: ludmila on February 05, 2019, 07:56:37 PM
chaval U could get all templates for 9$ including explanations and support.https://www.609creditrepair.com/
Did you try it? Do you recommend to who might need to use?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 05, 2019, 08:08:01 PM
Did you try it? Do you recommend to who might need to use?
I havent yet, but Ive seen a lot of successful reviews online for this method. I too am suffering due to one late payment of a lease disposition fee after 3 perfect years of never making a payment with them late. Its really annoying that this one incident is dragging down my otherwise squeaky clean credit report
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 05, 2019, 08:33:45 PM
chaval U could get all templates for 9$ including explanations and support.https://www.609creditrepair.com/
Ended up not working out with that guy, so I guess ill try my own letter tommroow... I'm also going to call a heimish credit repair guy and see what he wants or what advice he has.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 05, 2019, 10:46:41 PM
Ended up not working out with that guy, so I guess ill try my own letter tommroow... I'm also going to call a heimish credit repair guy and see what he wants or what advice he has.
u tried it?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 05, 2019, 10:47:57 PM
u tried it?
tried what?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 05, 2019, 10:48:05 PM
I'm paying a guy $350 to take care of it, hopefully the Goodwill letter that he sends will work, Barclays are mamzerim
btw I believe they have a legal requirement to report it. Doesnt make them mamzeirim...
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 05, 2019, 10:48:24 PM
Ended up not working out with that guy, so I guess ill try my own letter tommroow... I'm also going to call a heimish credit repair guy and see what he wants or what advice he has.
tried what?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 06, 2019, 12:09:37 AM

Someone had initially recommended him based on his good experience and someone else's say so. When I reached out to the original source (I know both people) He said hes  ganev make sure to stay away, he had a good experience with him once and then not so much.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 06, 2019, 12:10:07 AM
btw I believe they have a legal requirement to report it. Doesnt make them mamzeirim...
I guess, but no reason to make it so hard to remove it once, all the other companies seem to do it.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: S209 on February 06, 2019, 12:42:36 AM
Ended up not working out with that guy, so I guess ill try my own letter tommroow... I'm also going to call a heimish credit repair guy and see what he wants or what advice he has.
Did you lose the $350?

Why not try
chaval U could get all templates for 9$ including explanations and support.https://www.609creditrepair.com/
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 06, 2019, 12:48:22 AM
Did you lose the $350?

Why not try
BH was right before I paid, I'm going to call a hemish guy tommorow (credit repair guy) just to see what he advises as I assume the letter is a one shot kinda thing, then iy"h will send out and report back...
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 06, 2019, 12:50:00 AM
BH was right before I paid, I'm going to call a hemish guy tommorow (credit repair guy) just to see what he advises as I assume the letter is a one shot kinda thing, then iy"h will send out and report back...
its a process. I plan on doing it when I have time.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 06, 2019, 12:51:15 AM
its a process. I plan on doing it when I have time.
The letter you mean?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 06, 2019, 12:52:03 AM
The letter you mean?
yes. Sometimes need to do more than just letter to each Credit Buereu
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 06, 2019, 01:10:30 AM
yes. Sometimes need to do more than just letter to each Credit Buereu
ah, im trying first a letter to barclays, did you try that with your leasing company?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 06, 2019, 01:31:27 AM
ah, im trying first a letter to barclays, did you try that with your leasing company?
yes a few
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on February 06, 2019, 02:03:58 AM
yes a few
and they did not budge?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: DealKiller on February 06, 2019, 06:41:44 AM
What type of letter is everyone looking for?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 06, 2019, 08:20:32 AM
What type of letter is everyone looking for?
For the actual creditor , a goodwill letter to delete a negative item on ur credit report for a late payment
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: DealKiller on February 06, 2019, 09:02:34 AM
For the actual creditor , a goodwill letter to delete a negative item on ur credit report for a late payment
They do work but it is tricky. The creditor is required to report accurately the information. Removing a late payment would be a violation. On a closed account they can delete the account from your CR. They are not required to report any account. Either way a quick search will turn up a few sample letters. Good luck!

Just one of many out there:
Hereís a template goodwill letter for missed payments on a credit card.

[your name]
[your address]
Account Number: [your account number]

[date]

To Whom It May Concern:

Thank you for taking the time to read this letter, and I hope your day is going well. Iím writing because I noticed that my most recent credit report contains [a late payment/late payments] reported on [date(s)] for my [name of account] account.

I want you to know that I understand my financial obligations, and if it werenít for [circumstance that caused you to miss a payment], Iíd have an excellent repayment record. I made a mistake in falling behind, but since then, [description of how your circumstances have changed or how youíve improved your money management]. Since then, Iíve had a spotless record of on-time payments.

Iím planning to apply for [a mortgage/auto loan/etc.], and itís come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnít reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [date].

Thank you for your consideration, and I hope youíll approve my request.

Best,
[your name]
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: chevron on February 07, 2019, 09:03:46 AM
I have a 5 year old missed boa payment, boa kept saying they would remove. They never did, is it worth going after or at this point just ignore?

Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 07, 2019, 09:06:32 AM
I have a 5 year old missed boa payment, boa kept saying they would remove. They never did, is it worth going after or at this point just ignore?
u have at least another 2 years until it disappears
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: davidrotts63 on February 07, 2019, 09:08:28 AM


u have at max another 2 years until it disappears
FTFY.
But I think you missed the point, he said they said they'll remove it.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: chevron on February 07, 2019, 09:29:30 AM
Correct in branch around the time they said they would. But as they age, these baddies count less, correct? I'm just wondering and my FICo could use a bump
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: S209 on February 07, 2019, 02:10:29 PM
Correct in branch around the time they said they would. But as they age, these baddies count less, correct? I'm just wondering and my FICo could use a bump
Yes they do. Of course, thereís nothing like removing it, so you should redouble your efforts to get that done.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on February 07, 2019, 02:22:46 PM
FTFY.
But I think you missed the point, he said they said they'll remove it.
i didnít miss the point. I was implying that it is worth working on because itíll stick around for a while.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on March 01, 2019, 01:25:22 PM
@peace123 What ended up happening?
I spoke to their corporate agent, a lady who was nice. She fixed it for me. and my score went back up fast . FYI MY FICO is 832, hahaha. proud of my score
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on March 01, 2019, 02:44:29 PM
I spoke to their corporate agent, a lady who was nice. She fixed it for me. and my score went back up fast . FYI MY FICO is 832, hahaha. proud of my score
wow good for u! Iím looking to do the same. Maybe u can help me find out the corporate info for Kia/Hyundai Motor Finance?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on March 07, 2019, 09:30:27 PM
I spoke to their corporate agent, a lady who was nice. She fixed it for me. and my score went back up fast . FYI MY FICO is 832, hahaha. proud of my score
I also spoke to corp, they refused to budge :'( :'( :'(
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on March 07, 2019, 09:33:00 PM
I also spoke to corp, they refused to budge :'( :'( :'(
I sent an email to the office of the president, I wonder if I can huca... I'm  wondering if my account id notated etc
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: bermo on March 13, 2019, 03:26:58 PM
Does a late payment for an annual fee get charged interest and goes on your credit report?
 
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on March 13, 2019, 04:03:37 PM
Does a late payment for an annual fee get charged interest and goes on your credit report?
ive heard rumours not, idk if true
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: bermo on March 19, 2019, 11:47:53 AM
There is not interest or late fees...
But it is reported.

Best option is to send a GW letter?
Is having a baby 5 days before it was  due a good reason for them to remove it etc?

Thanks

Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on March 19, 2019, 12:57:49 PM
There is not interest or late fees...
But it is reported.

Best option is to send a GW letter?
Is having a baby 5 days before it was  due a good reason for them to remove it etc?

Thanks
having a baby may just do it, mt btw. make it clear that you were in the hospital for a good few days. start with sending GW letter IMO, lmk if you need the address.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on April 04, 2019, 10:01:06 PM
Oouch!!!!!!

Now BOFA shut down one of my older CC's due to inactivity and a delinquency/past delinquency reported on another account :'( :'( :'(


If anyone could provide any advice would be much much appreciated.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: zagguru on April 04, 2019, 10:14:32 PM
whats the best address to mail Barclay to remove a delinquency from your credit report?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on April 04, 2019, 10:15:30 PM
whats the best address to mail Barclay to remove a delinquency from your credit report?
There's only one AFAIK -
Barclays

FCRA Credit Bureau Disputes
P.O. Box 8803
Wilmington DE 19899


Include Account #, name address and phone #
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: zagguru on April 04, 2019, 10:17:02 PM
I received the letter from Barclay office of the president that says " we have completed our investigation and agree to change the information that has been reported. Specially, we have removed the late payment history that you disputed" Pls allow 30 days for the changes to appear on your credit reports".

That means Barclay will notify all three credit bureau agencies for me & I don't have to contact each bureau?
  Does it really take up to 30 days for the negative remark to be removed?

I just checked my credit reported & called Transunion dispute dept and they told me  there is still no update & negative remarks remains.

 Creditkarma report shows the 60 days late  is reported to both Transunion & Equifax but Equifax credit report that I checked doesn't show any negative remarks on my Equifax report. Wonder why?

UPDATE:
 Just checked creditkarma and my score is back up to 823 & 820 from  740 and says updated 11 hrs ago.
IT sure looks like the negative remark is removed!   So glad and  so quick!

What address was this sent to?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on April 04, 2019, 10:20:22 PM
What address was this sent to?
I think he emailed them.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: zagguru on April 04, 2019, 10:21:22 PM
I think he emailed them.

anyone have that email?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: zagguru on April 04, 2019, 10:21:49 PM
What address was this sent to?

I only found these

https://www.elliott.org/company-contacts/barclaycard-us/
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on May 19, 2019, 05:28:47 PM
Oouch!!!!!!

Now BOFA shut down one of my older CC's due to inactivity and a delinquency/past delinquency reported on another account :'( :'( :'(


If anyone could provide any advice would be much much appreciated.
there is something that I am in middle of working on regarding this. U can PM me for details
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: bermo on June 18, 2019, 08:16:38 PM
I sent in a goodwill letter as well as an email to the office of the president and spoke with the executive customer service.
All of them said the same stuff that they need to report accurately so they can't delete it...
What else can I do? 

Thanks!!
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: KSMH on June 18, 2019, 09:16:11 PM
I sent in a goodwill letter as well as an email to the office of the president and spoke with the executive customer service.
All of them said the same stuff that they need to report accurately so they can't delete it...
What else can I do? 

Thanks!!
I'm not, but there are people in the line of credit repair and should be able to handle this.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on June 18, 2019, 11:13:58 PM
I sent in a goodwill letter as well as an email to the office of the president and spoke with the executive customer service.
All of them said the same stuff that they need to report accurately so they can't delete it...
What else can I do? 

Thanks!!
u shud do some research, u can dispute directly with the credit agencies , by inaccuracies... or u can pay a credit repair person
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: peace123 on June 19, 2019, 04:39:43 PM
Wow this thread topic became big here. Someone pmed  me multiple times and I answerd the best I could. The point is this, you have to make it look like it is the problem with the system and not your fault that you missed the payment. If you just say I made mistake and I ask for forgiveness and I ask you to  help with wearing the negative report, it wonít work. I just told them I never got the billing statements in mail something like that
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: CountValentine on June 19, 2019, 10:23:05 PM
Wow this thread topic became big here. Someone pmed  me multiple times and I answerd the best I could. The point is this, you have to make it look like it is the problem with the system and not your fault that you missed the payment. If you just say I made mistake and I ask for forgiveness and I ask you to  help with wearing the negative report, it wonít work. I just told them I never got the billing statements in mail something like that
That might have worked for you but a GW letter is just opposite.
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on August 11, 2019, 11:25:53 PM
That might have worked for you but a GW letter is just opposite.
correct. I learned that distinction the hard way.

I'm still in the same boat, do the executive reps keep good notes? Do I get a second shot?

Any other ideas?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: CountValentine on August 11, 2019, 11:38:42 PM
correct. I learned that distinction the hard way.

I'm still in the same boat, do the executive reps keep good notes? Do I get a second shot?

Any other ideas?
Give it another shot?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on August 11, 2019, 11:41:59 PM
Give it another shot?
you don't think the executive department keeps very careful notes? They kind of opened a case on it you don't think they would look back on that?
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Luvisrael on August 12, 2019, 04:26:11 AM
correct. I learned that distinction the hard way.

I'm still in the same boat, do the executive reps keep good notes? Do I get a second shot?

Any other ideas?
they do keep a good record of notes and piece it together IME , and it turned out against me in my case
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: Yehuda25 on October 29, 2019, 10:29:10 PM
they do keep a good record of notes and piece it together IME , and it turned out against me in my case
Ouch, i'm giving it one last shot before i pay one of these guys good money that make it go away...
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: sams on October 29, 2019, 11:34:50 PM
I have same issue with a account with capital one that was restricted And I couldnít login so I missed payment , they gave me address to mail letter to. I tried disputing with Experian and capital one put it back on. Anyone have any good numbers or email to deal with capital one ??
Title: Re: Credit score down 55 due to Barclay missed payment!
Post by: sams on October 29, 2019, 11:35:29 PM
Or did anyone have succes with the companies u pay to get it removed ?