Malfunction with auto pay, dinged on credit score, anything I can do?

[Anonymous]

Credit card delinquencies are generally reported. 0-30 days, 30-60 days, etc. You were late, it's a fact that is not in dispute. The bigger question is how this will affect your credit score or credit rating, and the answer is, little if at all.

[Anonymous]

Anonymous wrote:Bullshit. We were denied a mortgage because Verizon reported one late payment four years ago. It was my final bill on a closed account, and the bill was never forwarded. The total was lass than $40, but it killed my credit score because I don't have a lot of other credit.

You were not denied because of just that.

[Anonymous]

OP here. Thanks for the replies. Sounds like I just have to wait it out, which is a bummer, but that in practical terms, it may not effect me very much. That's heartening to some extent though I'm still ticked with my bank of so many years - I feel like I at least deserved a call or email when the auto pay didn't go through, especially given my long (responsible) history with the institution.

Anyway, just wanted to say thanks!

[Anonymous]

Chances are, the Verizon poster got dinged because they didn't have much of a credit history, not just because of the Verizon nonpayment.

During my last home loan and my last refinance, I had conversations with the loan guys about various items. I personally have no delinquencies or late payments, but one of the reporting agencies pulled someone else's delinquencies (same name, different social security #) onto my report so I had to have all of those removed. I actually considered a suit against Experian because it's pretty f'ing stupid to just assume that every account under the same name is the same person and not take social security numbers into account.

[Anonymous]

Anonymous wrote:Credit card delinquencies are generally reported. 0-30 days, 30-60 days, etc. You were late, it's a fact that is not in dispute. The bigger question is how this will affect your credit score or credit rating, and the answer is, little if at all.

Just got the full report with all the details and it's coded as a 0-30 day delay, which makes me feel better. I was initially just seeing the shorter version of the report which didn't clearly show that it was short delay and I'm hoping that once I explain it was only "late" because the auto pay had some weird glitch, I wasn't notified, and I fixed it as soon as I found out. I thought that any "late" thing was treated the same as a delinquent account that is just short of being sent to collections - obviously, I haven't dealt with this before so didn't know how it worked.