z****e
发帖数: 555 | 1 citi automatically put me on no-paper billing system. I forgot to pay the
bill and overdue in June. I noticed it yesterday.
How would one late payment affect the credit score? I need to lock the rate
in a few days? My score was 794, 772 and 745 when I got loan preapproval in
June.
I called citi yesterday they agreed to remove the late fee. Will they be
able to not to report to affect my credit score?
Thank you |
c******j
发帖数: 3239 | 2 楼主你惊弓之鸟了，这离抱到credit还有十万八千里 |
z****e
发帖数: 555 | 3 I checked my credit score. It dropped to 714, from 772 (experian).
What should I do? I need to lock the rate in 2-3 days.
Help!! |
s*******y
发帖数: 46535 | 4 你需要给citi再打电话，要求remove bad credit history
不要说你自己forgot to pay，强调她们把你enroll进了auto payment，你不知道，她
们很有可能会答应。不行的话可以进一步complain
不过现在的问题是即使她们立即行动，这是一个electronically process的过程，不是
一两天能够完成的
【在 z****e 的大作中提到】
: I checked my credit score. It dropped to 714, from 772 (experian).
: What should I do? I need to lock the rate in 2-3 days.
: Help!!
|
z****e
发帖数: 555 | 5 Called already. The report has been sent out.
They have those buttons that I even do not know that it will enroll me in
paperless.
It is horrible.
【在 s*******y 的大作中提到】
: 你需要给citi再打电话，要求remove bad credit history
: 不要说你自己forgot to pay，强调她们把你enroll进了auto payment，你不知道，她
: 们很有可能会答应。不行的话可以进一步complain
: 不过现在的问题是即使她们立即行动，这是一个electronically process的过程，不是
: 一两天能够完成的
|
c******j
发帖数: 3239 | 6 你确定credit score的下降是因为这个原因吗？下降的原因是因为你贷款吧。
退一万步说，你的弄已经下来了，这个credit现在意义也没那么大了，是不是？
【在 z****e 的大作中提到】
: I checked my credit score. It dropped to 714, from 772 (experian).
: What should I do? I need to lock the rate in 2-3 days.
: Help!!
|
s*******y
发帖数: 46535 | 7 这个没有办法，你让他们给你发个信，证明这个late payment history被remove了，问
问loan officer能不能依据这个按之前的信用来算
现在只能死马当着活马医了。祝好运
【在 z****e 的大作中提到】
: Called already. The report has been sent out.
: They have those buttons that I even do not know that it will enroll me in
: paperless.
: It is horrible.
|
E*P
发帖数: 526 | 8 lz确定credit score下降是因为late payment吗？我以前忘过几次，credit score一点
影响也没有啊。你这个下降这么厉害，是不是有identity theft,或者最近hard pull太
多了？ |
z****b
发帖数: 2959 | 9 一个月内问题不大，lz可能是忘得时间太长了
【在 E*P 的大作中提到】
: lz确定credit score下降是因为late payment吗？我以前忘过几次，credit score一点
: 影响也没有啊。你这个下降这么厉害，是不是有identity theft,或者最近hard pull太
: 多了？
|
p******y
发帖数: 3523 | 10 如果lender已经pull过credit，在3个月之内应该不会重新pull，只要能在3个月之内
close就行了。
另外，电话citi，blame他们，说都是因为他们，所以他们不能report late pay，不能
charge penalty。 |
