A report can show a past-due status even when a payment was timely under the governing statement.
A report can show a past-due status even when a payment was timely under the governing statement.
Practical next step
Gather the statement due date, bank transaction, issuer posting date, and any due-date-change notice. State the precise month and correct status in a dispute.
Verify the result
Keep the original report or statement, your supporting records, and any response. Compare the same account and dates after the next update. Accurate information generally cannot be removed just because it affects a score.
Further reading and tools
Official guidance: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/ CreditAhead resource: https://disputes.safeskyconsulting.com/
Use CreditAhead's free DIY guide
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This article shares general tips. It is not legal or money advice for your own situation. Results are different for each person.
