If a payment is made on the 30th day is it considered 30 days late? Due on May 21 I paid it on June 20, which makes it paid on the 30th day and they have marked my credit report 30 days late ! Can they do that ? I'm in new jersey !
State/Country relating to question: New Jersey
Calling the bank,
Hello and thank you for the opportunity to assist you. There may be a slight delay between your follow ups and my replies as I am typing out my answer. Please remember that this is general information only, not legal advice, and no attorney-client relationship is formed.I am very sorry for your situation. No, this is not thirty days late (still late, of course). However, because the difference can lower your credit a few more points, you may wish to file a credit dispute. This is easy to do, and you do this by sending a letter. See here:http://www.debt-n-credit-letters.com/Report-Dispute/credit-report-dispute-letter-1.htmlIt is important to include proof of payment and when it was due with your latter - let me explain why:The credit bureaus will then require the creditor to supply their version of the matter. If the creditor does not answer the request in 30 days, then your credit history will be updated per your request to include whatever you wanted. If the creditor does respond, then the credit bureau will make a decision as to whose story is more credible, and since they are not denying that you paid the debt, chances are that the credit bureau will rule in your favor based off the proof that you provide.I hope this finds you well. Please click Reply to Expert to keep talking, or rate my answer when we are finished. Kindly rate my answer as one of the top three faces because this is how I get credit for my time with you. I work very hard to formulate an informative answer for you; please reciprocate my good faith. Otherwise, reply to chat more until we are finished and you are ready to rate. (You may always ask follow ups free after rating.)
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