z*e
2 楼
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
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
b*y
3 楼
yes
c*j
4 楼
楼主你惊弓之鸟了,这离抱到credit还有十万八千里
z*e
5 楼
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!!
What should I do? I need to lock the rate in 2-3 days.
Help!!
s*y
6 楼
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!!
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
7 楼
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
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
E*P
10 楼
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?
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
12 楼
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。
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。
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