I get one of my reports (from the 3 agencies) every 4 months just to keep an eye on things (esp when the X has messed up
something with a late payment for something still in both of our names — ugh).
Not exact matches
If you'd planned to use the card to make a balance transfer or you've had problems
with late payments in the past, this is
something you'll definitely want to pay close attention to.
Being proactive can help you work
something out
with your lender and minimize the negative impact of a
late or missed
payment on your credit.
Before being
late for any
payment, we recommend that you reach out to your creditor; the creditor may be willing to work
something out
with you that you both can live
with.
If however the low score is a result of missed or
late payments then that is
something that can only be corrected
with time.
But before you are
late with a
payment reach out to your creditor, they may be willing to work
something out
with you.
I responded back and they wrote
something saying I have a
late payment in may 2011 (which I am not aware of) also mentionning I have good credit
with them and that:
If you miss a deadline,
late payment penalties are
something that you'll face no matter what company you're working
with.
Score and index threshold changes can be caused by
something as small as a recent
late payment from a vendor account or a high dollar collection account caused by damaged goods returned to the supplier
with a resolution pending.