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Reply to "Malfunction with auto pay, dinged on credit score, anything I can do?"
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[quote=Anonymous][quote=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. [/quote] 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. [/quote]
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