Author Topic: Credit score down 55 due to Barclay missed payment!  (Read 27156 times)

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #20 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 #
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline 12HRS

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #21 on: February 01, 2019, 12:50:19 PM »
@PillanSmye should have the best advice

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #22 on: February 01, 2019, 12:54:29 PM »
@PillanSmye should have the best advice
Last Active: November 02, 2018, 09:57:18 AM   :'(
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Offline ckmk47

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #23 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.
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Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #24 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
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline LoLo

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #25 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.

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #26 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...
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #27 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?
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline Luvisrael

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #28 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/

Offline ludmila

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #29 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?
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Offline Luvisrael

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #30 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

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #31 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.
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline Luvisrael

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #32 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?

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #33 on: February 05, 2019, 10:47:57 PM »
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Luvisrael

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #34 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...

Offline Luvisrael

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #35 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?

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #36 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.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #37 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.
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline S209

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #38 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/
Quote from: YitzyS
Quotes in a signature is annoying, as it comes across as an independent post.

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #39 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...
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle