Missed credit card payment due to bill not received from credit card company, do I have a chance to retify it?
by admin ~ June 17th, 2009 . Filed under: Credit .
NewMan2008 asked:
I applied for a credit card while shopping at Sears. My shopping was charged against this card. But the company entered my address incorrectly in their system. I was said the card will be sent to me in two weeks time. I had no refference of account number. This happened in Oct-2007. When I reviewed my annual credit report I noticed, the card is active and I had owed 250 USD for the Sear-Citi card for more than 30 days. I was shocked, because I never got a bill from them. I called the customer service to verify what happened, they admited to have my address record as incorrect in their system. I paid my outstanding balance thru phone.
Now, do I have a chance to get rid of this non-payment record from the credit report. I belive that I have been victimised by an incorrect data entry, please advice.
Scotty Mank
I applied for a credit card while shopping at Sears. My shopping was charged against this card. But the company entered my address incorrectly in their system. I was said the card will be sent to me in two weeks time. I had no refference of account number. This happened in Oct-2007. When I reviewed my annual credit report I noticed, the card is active and I had owed 250 USD for the Sear-Citi card for more than 30 days. I was shocked, because I never got a bill from them. I called the customer service to verify what happened, they admited to have my address record as incorrect in their system. I paid my outstanding balance thru phone.
Now, do I have a chance to get rid of this non-payment record from the credit report. I belive that I have been victimised by an incorrect data entry, please advice.
Scotty Mank
June 18th, 2009 at 12:45 am
Call the card issuer, they can update the record with the credit bureau, or you can dispute it through the credit bureau. From no on now that they have the correct address and considering on time payments it will show positive on the report.
June 19th, 2009 at 12:42 am
Call Sears Customer Service and explain to them why you did not receive a bill. If it was their mistake, any derogatory information should be removed from your credit reports.
June 19th, 2009 at 5:29 am
get them to send you a letter that they incorrectly entered your address, then forwrd that information to all 3 credit bureaus.
June 20th, 2009 at 9:36 am
The card in october and you charged 250 to the card in october and you should have contacted them you never.
The card in october and you owed them earlier.
The card in october and you never got bill sears may not care at this point you didnt notice until january that you didnt notice until january that you owed them you didnt notice until january.
June 21st, 2009 at 9:41 pm
The truth is that you made the charge and regardless you can try to your record but the very least.