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Reply to "Malfunction with auto pay, dinged on credit score, anything I can do?"
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[quote=Anonymous]Anyhow, I am not certain there is a solution. The bank should have called you when they noticed the late payment to get it resolved. But once there's a late payment, I'm not sure what they would report to the credit agency to fix it. If you look at a credit report, for credit cards it shows your delinquent balance by month regardless of whether you have a delinquent balance. Since there technically was a balance, I'm not sure what the bank could do at this point to help you other than to lie and say there never was a balance, which isn't true. One would hope that credit agencies would not treat a trivial credit card delinquency the same, as, say, missing a mortgage payment. But who knows?[/quote]
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