Disputing Late Payments with Creditor / Credit Bureau

[Plus1]

Does anyone have any advice for disputing ACCURATE negative information on a credit report?

I missed the letter in the mail 3 months ago, and forgot to pay a silly $35 credit card payment to Discover back in March.  They reported it to the 3 credit bureaus that I was 30 days late on a payment.  I have nearly perfect credit otherwise, and this caused a drop in my credit score.  I am looking to buy a house now, and this will negatively affect my mortgage rate and overall credit card rate etc.

What are my options to go about this?  I poked around the internet but there seems to be a lot of misinformation on the topic.  I know I can contact one of the "Credit Repair" companies, but I don't want to pay a lot of money for something I can just do myself.

Can someone advise what to do, or point me in the right direction?

[gozalim]

Does anyone have any advice for disputing ACCURATE negative information on a credit report?

I missed the letter in the mail 3 months ago, and forgot to pay a silly $35 credit card payment to Discover back in March.  They reported it to the 3 credit bureaus that I was 30 days late on a payment.  I have nearly perfect credit otherwise, and this caused a drop in my credit score.  I am looking to buy a house now, and this will negatively affect my mortgage rate and overall credit card rate etc.

What are my options to go about this?  I poked around the internet but there seems to be a lot of misinformation on the topic.  I know I can contact one of the "Credit Repair" companies, but I don't want to pay a lot of money for something I can just do myself.

Can someone advise what to do, or point me in the right direction?

did you ask the creditor (discover) if, being a mistake, 1st time, yada yada, they would take back the late-payment report?

[txtmax4]

Does anyone have any advice for disputing ACCURATE negative information on a credit report?

I missed the letter in the mail 3 months ago, and forgot to pay a silly $35 credit card payment to Discover back in March.  They reported it to the 3 credit bureaus that I was 30 days late on a payment.  I have nearly perfect credit otherwise, and this caused a drop in my credit score.  I am looking to buy a house now, and this will negatively affect my mortgage rate and overall credit card rate etc.

What are my options to go about this?  I poked around the internet but there seems to be a lot of misinformation on the topic.  I know I can contact one of the "Credit Repair" companies, but I don't want to pay a lot of money for something I can just do myself.

Can someone advise what to do, or point me in the right direction?

http://www.dansdeals.com/archives/22720

[Plus1]

Yes I asked Discover and they told me there is nothing they can do.  I called three different times with 3 different stories too.

And yes,I see that I can pay to fix this problem and I guess that is my only choice....

[deli52]

try this
http://www.consumer.ftc.gov/articles/0058-credit-repair-how-help-yourself

[CountValentine]

Google "goodwill letter".

http://credit.about.com/od/creditrepair/qt/Using-Goodwill-Letters-In-Credit-Repair.htm

[hocker]

Would disputing it and then applying for a mortgage during the dispute period work?

#justwondering