Issues developed with this account in early 2009 with a fraudulent charge on the card that I had disputed and removed (after I had closed the account the year before).
In June of the same year, another incident occurred on a credit card account that I had closed a year before. A charge of $14.95 was placed on the card after it was paid off and CLOSED by me. The sticky part is that I would receive notices of statements in my email, but since I closed all my accounts with that bank my ELECTED paperless statements were not accessible to me at all (through my online account). My online account was made inactive once I closed the checking, savings, and credit card accounts. The bank/company did not bother to call me to notify me of my balance that was late. Nor did I think that there was an issue with the account since it was closed and I had paid it off in full, to my knowledge.
How do I justify or change this information on my credit report? It seems really horrible that $15 would keep me from a better credit score.
Thank you,
LF
You may directly get in touch with your creditor through a phone call or you may send an email explaining your concern.
On the other hand, you may send a Goodwill letter to your creditor. It's a letter that requests your creditor to remove negative listings on your CR. A goodwill letter is a better alternative when you've finally paid-off your account after you'd been late on your payments through financial hardships.