Jump to content


Do I have any chance of B of A removing my late?

Recommended Posts

Need some advice, I'm really upset right now. I just found out my credit score dropped 101 points because of a late payment reported on my mortgage. I switched to a new bill payment system and fat fingered the mortgage payment amount and paid $2100 instead of $2200. Payment was due on the 1st, I mailed payment on the 10th, they received it on the 16th, I noticed the underpayment on the 33rd day past the 1st, so technically yes, past their 30 days but made the $100 payment immediately. Bank of America reported me as a missed payment. I'm livid and they won't reconsider their decision. Paid on time and never missed a payment since 2006 and this happens. How long will this effect my score and how can I recover from this? Went from 725 to 624, unbelievable.

Share this post

Link to post
Share on other sites

This would be worth a goodwill request, in writing and mailed to a targeted Bank of America executive.


In this case you are looking for the person who runs mortgage servicing, not mortgage origination (assuming they're different).


I would include a screenshot of the amount you paid and the amount that was due, to underscore the fact that it was an honest mistake.


You could also try this:





... although of all the successful goodwill stories I've read over the years, I can't think of any that begin with "I submitted a form online..."  But that doesn't mean you shouldn't try.


Share this post

Link to post
Share on other sites

Call the EO tomorrow. They are very responsive. 

Share this post

Link to post
Share on other sites
On 1/5/2020 at 12:57 PM, shifter said:

Call the EO tomorrow. They are very responsive. 

Even better.

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Today's Birthdays

    No users celebrating today.
  • Member Statistics

    • Total Members
    • Most Online

    Newest Member

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information