Credit fix

Airbnb
lillIl!

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lillIl!
Sep 13, 2020 16 Comments

I've never made any late payment in my credit history. I've always had automatic payment setup so that I never have to worry about the late payment.

In July, automatic payment was cancelled for one of my Bank of America credit card for some reason, payment was late and I did not notice because this is one of the credit cards that I don't use often but just keep it for my credit history. The amount was only $6.37.

After there's a sudden drop in my credit score, I finally found that this happened, so called BOA, paid the balance, and asked them what the fuck happened. They had no fucking log or no idea why it was cancelled. They had history of my automatic payment though.

They said they will let credit bureaus know that I paid as if it was not late. It's been a while but I still see 30 day late mark and my credit is still fucked.

Should I just patiently wait? Or What else can I do?

#personalfinance

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