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Question By
Brinzy

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Dispute an item where I paid off a loan and was .33 short of the payoff amount but wasnt informed?
The company didn't inform me of the shortage but when I contacted them the automatically credited me the late fee and apologized.

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Top Contributor
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If you had a balance of 33 cents when you paid off an account, there is nothing you can dispute.    If they reported you as late on your payment for that month, you cannot force the creditor to remove the late payment reporting.   Many creditors will work with you on making a late payment and not charge your or credit you for the penalty, although it does not automatically remove the late payment reporting.   The only way to have that reversed is to work with the creditor directly to make the request.   Keep in mind, they are under no obligation to make the adjustment so loosing you cool when speaking with them about the adjustment is not in your best interest.

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