I have a question about what do to about a bad credit score. My credit is nearly perfect except for a blemish from a Ballys Fitness membership that went unpaid for 6 months. The credit card on file never got changed so it was past due for a while. However when notified, I immediately paid off the entire membership (this happened last September 07 and my membership expires October 2008) So this all being said, I tried to have them to take off the derogatory comment on my credit report and they said they would not. I was wondering if you have any advice for this situation. Thanks!
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it would have been best to negotiate possible future problems on your credit report at the time of paymentof COURSE as it is now. sounds like you have a problem
what i would wonder is why the fitness place and you did not get sideways before 6 MONTHS
i would try harder with the fitness company
beg plead
offer to extend your membership another year, if they would just not respond to a dispute by you that says paid as agreed and on time never late
ask nicely why you were not notified
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