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gijoeboxer

Macys 30 Day Late Removal Success

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I just wanted to share my nightmare/success story.  My credit was in the toilet many years ago.  It took me a while but last year I finally made it into the FICO 800s across the board no lates and low utilization.  Happy as ever.  Then I bought a gift for a wedding on my Macys card online in April.  Forgot all about it as I rarely use that card.  Long story short, my bill is emailed but goes to my promotional gmail folder that I never look at and somehow they had a very old phone number for me so I had no clue.  I got a notification from myfico.com stating your score dropped 69 points due to 30 day late.  WTF???

 

I was in a panic pacing tears in my eyes,  Me late?  Not in over 15 years have I been late on anything.  I called Macys twice...sorry your fault you need a valid reason etc.  I paid my bill in full immediately ($119) then decided to write letters which I never had the chance to send.  I kept getting credit notifications and refused to look at them because I felt sick.  I finally looked yesterday and ......WHAT??????  Credit scores jumped up 69/65/63 on all 3 bureaus and stated my status went from 30 day late>pays as agreed!  OMG!  Not sure how or why but I will NEVER let that happen again and signed up for auto payments on everything.  I thought getting late removal was very low chance but it can happen!  

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Congrats! 

 

I often say that goodwill letters rarely work, but that doesn't mean you shouldn't try. 

 

Perfect example of why!

 

Glad this story has a happy ending.

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Did they actually remove the 30 day late, or just update to a non-delinquent status when they reported after payment was made? 

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2 hours ago, DPB said:

Did they actually remove the 30 day late, or just update to a non-delinquent status when they reported after payment was made? 

They actually completely removed it.  It shows 30 days late changed from 1 to 0 as in never been late period.  There is no evidence of it whatsoever.

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What did Wayne Gretzky say (or related what was said to him by his dad)...you miss 100% of the shots you don't take.

 

Congrats on the successful outcome.

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9 hours ago, gijoeboxer said:

They actually completely removed it.  It shows 30 days late changed from 1 to 0 as in never been late period.  There is no evidence of it whatsoever.

Nice! And congrats. 

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