Messed up on paying lease

[Got a clue]

Big issue here- leased a car. Made some payments a few days late as mailing address was an old location. Now I have some late payments that are majorly affecting my credit score. Any advice? People who have been in same situation?

[aygart]

Big issue here- leased a car. Made some payments a few days late as mailing address was an old location. Now I have some late payments that are majorly affecting my credit score. Any advice? People who have been in same situation?

Did you ask them to remove it based on the change in location?

[chbochur]

Big issue here- leased a car. Made some payments a few days late as mailing address was an old location. Now I have some late payments that are majorly affecting my credit score. Any advice? People who have been in same situation?

You may be able to call the Credit Bureau and dispute the remark because you were never notified about it (you never got the mail)

[PillanSmye]

Big issue here- leased a car. Made some payments a few days late as mailing address was an old location. Now I have some late payments that are majorly affecting my credit score. Any advice? People who have been in same situation?

Only payments that are 30+ days late get reported to the credit bureaus.  So you shouldn't have any problems for being a few days late.

It's also your responsibility to update mailing addresses and make sure payments are made timely.

[Luvisrael]

Big issue here- leased a car. Made some payments a few days late as mailing address was an old location. Now I have some late payments that are majorly affecting my credit score. Any advice? People who have been in same situation?

Not such a big issue. U can relax. Just like OP said, companies don't report late payments under 30 days. Even if it's more than 30 days and it is reported to the agencies, there's still hope. I just had that, I ended up making a payment 3 months late (!) , Because of an address change issue, I put in a claim with the credit card, and followed up  with the credit agency and the delinquency was removed.

[Luvisrael]

Oh and as far as the late payment fee is concerned, usually all it takes is one 30 sec phone call to have that removed

[Yammer]

Only payments that are 30+ days late get reported to the credit bureaus.  So you shouldn't have any problems for being a few days late.

It's also your responsibility to update mailing addresses and make sure payments are made timely.

Not such a big issue. U can relax. Just like OP said, companies don't report late payments under 30 days. Even if it's more than 30 days and it is reported to the agencies, there's still hope. I just had that, I ended up making a payment 3 months late (!) , Because of an address change issue, I put in a claim with the credit card, and followed up  with the credit agency and the delinquency was removed.

They where obviously more the 30 days late as (he writes that )his credit score has been negatively affected

[noturbizniss]

They where obviously more the 30 days late as (he writes that )his credit score has been negatively affected

Op said a few days late.
You also don't make a. Few payments each a few days late due to mailing issue.
Likely he missed 3 or 4 payments and when finally realized he made that last one a few days late.

Sent from my SM-G950U1 using Tapatalk

[sguitarist18]

Call them up and talk to them. I helped a friend out once when they were refusing to bend, spoke to a supervisor and they cleared it up. It helped that he was able to show them that he took steps (like setting up auto-withdrawals) to prevent it from happening again.

[Luvisrael]

They where obviously more the 30 days late as (he writes that )his credit score has been negatively affected

Obviously I was offering advice to him even if it was after 30 days. Obviously it's obvious in my post.

[shmoe joe]

Call them up and talk to them. I helped a friend out once when they were refusing to bend, spoke to a supervisor and they cleared it up. It helped that he was able to show them that he took steps (like setting up auto-withdrawals) to prevent it from happening again.

+1

[shmoe joe]

Big issue here- leased a car. Made some payments a few days late as mailing address was an old location. Now I have some late payments that are majorly affecting my credit score. Any advice? People who have been in same situation?

btw i always use the "never got the mail" when im late on any payments and it helps to remove late fee!

[JACKBLUE]

btw i always use the "never got the mail" when im late on any payments and it helps to remove late fee!

late fee is not the issue here. The late payment is what’s bothering.

[Luvisrael]

btw i always use the "never got the mail" when im late on any payments and it helps to remove late fee!

No need to lie. I just ask them to kindly waive the fee. Works like a charm