Author Topic: Credit score down 55 due to Barclay missed payment!  (Read 11786 times)

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #60 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
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Offline bermo

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #61 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


Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #62 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.
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Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #63 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.
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline zagguru

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #64 on: April 04, 2019, 10:14:32 PM »
whats the best address to mail Barclay to remove a delinquency from your credit report?

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #65 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 #
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Offline zagguru

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #66 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?

Offline Yehuda25

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #67 on: April 04, 2019, 10:20:22 PM »
What address was this sent to?
I think he emailed them.
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Offline zagguru

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #68 on: April 04, 2019, 10:21:22 PM »
I think he emailed them.

anyone have that email?

Offline zagguru

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Online Luvisrael

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #70 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

Offline bermo

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #71 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!!

Online KSMH

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #72 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.
Always praying for delayed baggage.

Online Luvisrael

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #73 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

Offline peace123

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Re: Credit score down 55 due to Barclay missed payment!
« Reply #74 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 won’t work. I just told them I never got the billing statements in mail something like that