In May, I checked my Credit Karma report and was shocked to see that both of my scores had sharply dropped. I looked at the explanation as to why and it stated that I had missed a payment but the amount due was 0 and the outstanding balance was 0. I called Barclays and spoke to a very nice agent who was as confused as I was. After some time, she escalated the call to investigations who after quite some time confirmed that Barclays had made an error. After more then 2 hours on the phone, the Barclays rep said that they would contact the credit agencies and let them know a mistake had been made and to correct my report. Ok, cool.
Yesterday, I received a letter from Barclays credit disputes group that stated that no the missed payment information is correct and they could not change my report.
I immediately called Barclays’s and spoke to another rep. So, turns out I did indeed miss a payment for $4.00 and that they did report it. Ugh! I’m an idiot. 😳
So, here’s the thing. A Barclays’s Rep and their investigations did in May tell me it was their error and they would correct it. I spent over 2 hours on the phone with them that day. The Rep yesterday confirmed that she heard the recording of that call and that the wrong information was given. She said I should write the FCRA group and tell them what happened and perhaps they will grant an exception.
Question, do I have any hope in getting this reversed since I did miss the freaking $4.00 payment, but they provided the wrong information in my first call?
I really don’t want to waste any more time on this if I’m screwed with this stupid mistake.