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Member Since: January 2013
"Enter Your ReplyAnd ask the one company who you paid late to just once to change that report based on timely payments for the year after - they will do it as a "good faith" favor to you - you just have to ask."
This certainly is a good idea and I'm certain it must work sometimes. n 2009 apparently I had ONE late payment with Commenty Bank
I have been trying for months to get a derogatory remark removed from my credit report. Apparently, I missed one payment in 2009 with Comenity Bank. Clearly I paid it (with interest/late fee, I assume) because my account stayed open until I closed it several years later. When I speak with Loft/Comenity Bank personal they say they "can't do anything because our records don't go back that far." What?? When I speak with the credit agencies they say they can't do anything because it is accurate. I have to assume it is - it was 2009 and it must have been a "late payment" not a "missed payment" because there are many, many payments after that. I am so frustrated by this situation. If ANYONE has any ideas about how to proceed to a favorable solution - please post.
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