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Question By
bbig87

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Should I dispute late payments?
I have an AMEX with no set spending limit and no defined minimum monthly payment. The verbiage simply says that the whole balance is due each month.

Earlier this year, while in between jobs, I made some payments that were not the full outstanding balance, but were always a minimum of $500 and can provide records of these payments occurring prior to the due date. These payments also often represented 25-50% of the total balance. These are now showing up as multiple late payments and it's really lowering my credit score.

Has anyone dealt with a similar situation and seen these late payments removed from their credit report?

Trying to decide if it's worth disputing or not.

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Top Contributor
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You can try to dispute them, but you will lose out.

The AMEX card requires you to pay the Full Balance each month.  Period.   If you did not then you are late.

Top Contributor
5038 Contributions
1131 People Helped

Rather than disputing them, do some research on how to write a good "Goodwill Letter" to send to AMEX to beg for removal of the lates. You violated the terms of the account and you were late, a partial payment is not a full payment and is considered either late or missed, so there really is no grounds to dispute.

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