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Question By
HeyMrsRobinson

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Credit Card on Account went delinquent though NOT my fault, can I get it removed?
An account I paid off in Aug 2016 apparently was getting a $2.00 fee every month since, and I never received a bill. The fees compiled every month to a total of $14.00, which I'm fine to pay BUT every month added an unpaid mark and then the card went delinquent. I finally saw this on my Credit Report and contacted the company, which said they didn't have my Unit number to send me bills (which I had gotten fine in the past). My 780 score, with zero late payments in 10 years now dropped to 680. I was planning on buying a House in a few months! I feel like this was the credit card company's fault. The never called me, or sent me and email, when my bills were returned to them because of a problem with my address. And since I had paid the card off 6 months ago, I didn't know I owned them, to check it myself. Any advice? Please help!

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It's your card & therefore your responsibility to keep up with your accounts. Blaming the cc company will get you nowhere. My suggestion would be to write a goodwill letter explaining politely why you didn't pay the bill. Continue with stating you appologize for missing the fees and ask for a courtesy removal of the remarks in reference to the fees. This doesn't always work but many have good success with goodwill letters,

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Reply by
ladycredit1

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Helpful to 2 out of 2 people

I second Physh1's response. I empathise with you, but from what I have learned through other peoples experiences is that "I did not recieve the bill" is not an excuse honored by companies (cc, electricity, phone etc.). I agree that it is not your fault, because you simply did not know, but they will likely say it was your responsibility. In addition to postal mail, I would send a humble email cc'ing mulitiple divisions or levels of the company. Tell them your situation, and how loyal and resonsible a customer you have been. ymmv

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Reply by
Tgmmd1

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Hello PHYsh1,

Try writing  a Letter of Goodwill to the cc company. It might work, it helped me. Good luck!

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MsRobinson

Similair situation happen to me. Bank not finding my account so I was charged late fees even after I told them the money was in the account. I closed the accounts. Still got a low credit score. Didn't seem fair to me.

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You can call the CC company and explain what happen and they can remove the late payment. You can also dispute it here on CK. 

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Workers Comp Claim never fully processed

I had an emergency bill on my credit report, which should have been paid through workers comp. I was unaware of the process involved, anyway somewhere along the was the ball was dropped and I was stuck with the bill. I am going to try and have it backbilled though I was told it might be denied since the origional date has been over a year. If they will not cover the claim, How can I have this removed from my report?

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