Re: CC reported derogator remark on credit history

This is a pretty unlikely scenario.

Many banks and so forth dont even report balances to the credit bureau
<$50...No matter how delinquent.

Such an error, would be a very very easy one to correct.

I doubt we have the whole story here. Rarely would one small item,
which is obviously easily proved in error, affect your credit in the
way you have explained.

No you do not have a legal case against the CC company, if they make
mistakes, their only obligation is to correct them.

a 100 point drop in your fico score would have entailed some seriously
delinquent accounts. not a $30 pmt 2 months past due, esp as most
banks and esp credit unions dont start reporting past due to the credit
bureaus till 60 days.

perhaps you "forgot" to pay a few other bills as well?

.

Relevant Pages