United Airlines, Chase credit card. show 90 days late on my credit

I have a United Airlines, Chase credit card. They sent me a solicitation for another one and I would get enough miles for a free round trip ticket so I think I agreed. But when it came I did not use it, because I thought I did not want the hassle of another card. I have the original paper and cards that came with it. Instead I decided to order a card in my son's name and I think my husbands for them to use, but it came with the new account number, which I did not want, and I did not realize it until my son said his card did not work. I called Chase to see why it did not work when I know the account was paid and that is when I realized what happened. They told me they have never received one payment since the account opened. I told them I was unaware of the account being opened because I had changed my mind and thought it was not being used. No one ever called and didn't they think it was odd that I never made one payment when my other account is paid on time every month? I did not pay attention to the statements, which I only have one out of the three months, because I look at my purchases and make all my payments on line which they could verify .They told me it is going to show 90 days late on my credit.
I was very upset and we were leaving on vacation, so I paid the whole balance right then on the phone, which was $6000.00 to stop it and now that I am back and I want to get this off my report. I have not looked at my credit report for awhile, so I in fact do not know what has been reported.
We were victims of identity theft 7 years ago and it was still going on until a couple of years ago. We still have a couple of negatives from that which we were not able to get off. So I do not need any thing new. Prior to that our credit score was around 800.
Can you give me some ideas?
Thanks. REAL PERSON
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The best thing I know is what you have already done bargain with chase....
One other idea is to place a 50-100 word explanation on your credit report for the lates....Just state your case so when someone pulls your report they can see what happened without an explanation from you on the spot...
Just write the letter and mail it to all three bureaus asking for attachment...

Remember that after 2 years pass the lates will not affect you as bad...I would pull my report and see what it looks like though.....If you are 90 days late it will also show 30 days late and possibly more than 1 time 30 days late.......

One might bargain to have ONE or 2 of the lates removed....or after a period of time have them all removed since credit cards normally only report for 24 months....I would keep the credit line open though...the first re action is to close the account....it actually looks better to get some CLEAN TIME after the lates.....it also keeps the credit company invested in your business.....

hope this helps....
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Quoting realperson@aol.com:

Hi Bo:
I can't believe it I took your advice I begged chase to take the late payment off my credit report and to my surprise they DID! It was an amazing feeling, my loan officer is going to proceed with the finance and all looks good! Thank you for replying to my e mail
REAL PERSON
---------------------
Thank YOU for letting me know that I can help people from time to time...
Always remember to stay humble but diligent and things might work out...
you did the work and deserve the credit....
way to go.....
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matters of law cannot be removed from your credit report

Quoting REAL PERSON :
Dear Sir,
I noticed that you said that matters of law cannot be removed from your credit report, but I have a question regarding if I have a case on a matter that affected me a couple of years ago.
I moved into an apartment complex in April 2004, June I was injured while at work when I stepped off a curb and severely hurt my ankle. When you are working a job as a new car salesman in a 100% commission sales position, if you are injured you cannot work.
Anyway, I approached my apartment complex and let them know that I would probably be a little late with my rent because my sales were impacted because of my injury and the economy was tough enough as it was and people were just not buying new cars hardly.
They filed for eviction on me, I received a letter from the County Courts telling me that the complex filed on me. Furious, I confronted the management and they told me if I moved out of my apartment before the date on the letter then there won't be any consequences.
I moved out after trying unsuccessfully to come up with the money so I would not have to move. I recently got my credit report and I found two things that really made me go ballistic. #1 The county has a sort of judgement listed against me in the apartment favor. #2 After being in the apartments for barely two months and they made me move, they are requesting I owe them almost $3,000.00.
This is just wrong deceitful and down right scandalous, you mean to tell me there is nothing I can do? I was victimized and lied to. I like to know am I screwed, can the FTC intervene here or is there a way an attorney can fight this for me.
Regards, REAL PERSON
---------------------
This is the typical lease aggreement consequences....
All I can say is you are obligated to pay them under the terms of the lease and by law they can do just as you have stated. If you pay them or get back in they would take the item off your credit I think.
Sorry I can not be of more help
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My goal was to refinance my house

Quoting realperson.com:

Hello Bo:
My past credit history isn't the best, because of a bad relationship several years back my credit score went downhill mainly because I couldn't afford to make the payments on time. My credit score 2 yrs ago was in the low 500's. Two years ago I was able to buy a house, my financial situation improved, I been paying all my bills thru automatic bill pay thru my bank. Everything was going good! My goal was to refinance my house in June of 2006 ( I bought in 2004) my credit score went up to 640 and getting better all the time. I wasn't making ONE late payment!
About 6 months ago. My mortgage company sold my loan to CHASE mortgage. I mailed the first few payments on time. UNTIL! because I was determined to pay my bills on time I decided to enroll in CHASE'S automatic deduction payment service. I HAD NO IDEA THAT WAS GOING TO BACKFIRE ON ME! I sent all the forms to CHASE, next thing I knew I was a month behind.
THEY DID NOT INFORM ME THAT IT TOOK THEM 45 days to process my enrollment! The
> money was in the bank for them to take when the payment was due I WAS IN EUROPE FOR 15 DAYS and when I came back I got a call saying that I was a month late and that they were going to report it to the credit bureau. ( I immediately paid the outstanding balance for 2 months) I DIDN'T NOT RECEIVED A PHONE CALL OR A LETTER OR E MAIL telling me how long it took. I am a university student and I had planned to use the refinancing money to go to dentistry school very expensive!! I have been waiting until now JUNE 2006 to do this.
and precisely THIS MONTH! my credit score went down to 590 because of this! I was shocked my loan officer informed me that he cannot qualify me for the loan that I so desperately needed. I am in a state of shock! My future depended on this. I had plenty of money in my account at the time ( when I was out of the country) so making the payment wasn't a problem at all. What can I do about this problem. All I wanted was to make my payments on time, had I known this was going to happen I wouldn't have never let them (CHASE) screw me up like this.
Can you please offer any advise to me? like i said my future depends on it! thank you so much
REAL PERSON
--------------------------
This is something that can only be remedied through Chase....
It sounds like you exhausted all avenues with Chase already.....
Try to reason with them again....
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I have a bad credit score 600 I hire lex law firm in November of 2005 to clean it up

Bo
Thank you for taking the time to read this and offer your help. I have a bad credit score 600 I hire lex law firm in November of 2005 to clean it up. Nothing has changed I paid my mortgage on time and just went to get a refinance and now my credit score is 580. This is after 8 months with Lex Law firm and many things are not supposed to be on there. I thought by hiring lex law firm that I was takign the right steps but credit score has actually went down. The people at lex law firm told me that many of the banks I just went to wells fargo use old credit reports. They said that info is more then likely at least 3 months old. Can this be true that the when banks run your credit check the information they get is at least 1 to 3 months old this answer made not sense with me. I have been paying these people to clean up my score for 8 months and now it is actually down. What can be done?
----------------------
I am not sure without seeing everything on your credit file and knowing what they might have worked on.....I do know that one can do most things without paying for a credit repair company but other might need the expertise to get stuff done.....stuff done.....I would wonder if you have not possibly had a late payment or a few inquiries or gone further indebt on an existing account. All three will make your score go down some.....30 points is not a huge fall.....SO I would hope lex law was of some help but one mus remember just because we pay someone money does not mean our credit will get better.....some accounts cannot be changed, removed or updated no matter who works on it....yes it can be true..
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I still have things on my credit report that are reported as a right off. That I paid with a loan from 99 I have the payout sheet from the mortgage company the account number even match. I would think things like this are correctable? IT is not only not true but have been paid off since 99 and I have the closeout from the mortgage company to prove it.
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If it is marked 99 it should fall off this year anyway
write offs or charge offs still show as bad credit but paid....the account should reflect paid but at this point it will fall off soon i would expect....of course the date of last activity should aslo show 99...

I would suspect something far greater to be of detrement than this account since scores are weighted more towrds the previous 2 years of credit activity....I would not think this account would have much beraing at this point...something more must be wrong....
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debt 80% rule = an average across all trade lines? or 80% rule on "each" individual trade line

Your credit website info is fantastic! Thank you for posting this info. I'm 40...
and never knew about the 80% rule.
Do you know if the major component of the 80% rule is:

1. an average across all trade lines? or
2. 80% rule on "each" individual trade line?

It's probably both...but is the larger component an "avg across all trade lines"?
Thank you.
REAL PERSON
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The rule is for each trade line...
Not the average of all trade lines.
thanks for the compliment.
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disputed and disputed charges on my credit report and it still there

Quoting REAL PERSON
Hi Bo, I have disputed and disputed charges on my credit report and it still is there. I am fully aware that they are supposed to remove it in 30 days. However that has not ever happened what am I doing wrong?

---------------
From: Bobo Majors [mailto:majors@oskie.com]
Sent: Tuesday, May 09, 2006 1:30 PM
To: REAL PERSON

The question I would ask IS: Are they accurate? If so just disputing will not remove credit files they must be in error or maybe mistaken or old. What is the situation?
--------------

They are not mine and were done in states that I have never lived or been to
in my life.
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Well I would:
1. Make sure my disputes were mailed confirmation delivery.
2. Make sure I included detailed personal information. ie. copy of ss card,
drivers license, phone bill, insurance card.
3. Keep copies and send the copies to the BBB
4. Keep copies and send them to the FTC
5. If they are being removed then placed back on later. Which I suspect. I
would place and credit fraud warning on my account regarding thos accounts and
any new credit inqiries.
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All 3 bureaus are reporting that my client is deceased

Quoting REAL PERSON

HELP, I'm not dead. . .All 3 bureaus are reporting that my client is deceased. What is fastest and easiest way to clear this up?
---------------------------
Send in a letter explaining your situtation in detail.
include a copy of:
social security card
birth certificate
drivers license
any type of other document including:
recent tax form
marriage license
insurance card

send it to all 3 bureaus by cerified priority mail
do not try to call them

here are the addresses
waste of time

Trans Union
P.O. Box 1000
Chester, PA 19022
1-800-888-4213

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493

Experian
P.O. Box 2104
Allen, TX 75013-2104
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Credit Help: Why do I have no beacon credit score?

I just tried to finance a vehicle, and the bank said that I have no Beacon score (I believe it returned as “no score available”). I thought it was a fluke and went to my credit union an they said it came back the same way. They all said that they had never seen this before. Have you ever run across this? What can I do about it?
----------------
no beacon score is VERY COMMON
most of the time a person is only 18-20 years old and never borrowed money.
all other no scores come from not using credit in the past 2 years
either way it will show no score
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Hi Bo my lowest score is a 529, I figure if I work on bring up the lowest one

Quoting REAL PERSON

> Hi Bo my lowest score is a 529, I figure if I work on bring up the lowest one, the other 2 will be raised simultaneously. Most of the accounts in question are listed with all 3 agencies. My problem is collection accounts and credit card charge off. How do I determine which accounts to pay off first and therefore will raise my credit score the most. Listed are the accounts in question. Please advice in what order I should settle these accounts and if possible how many points I can expect my score to be raised by paying off the account.
Collection account- opened Oct. 2005 balance $302.00
Collection account- opened Aug 2005 balance $1137.00- this account reappeared on my credit report after removed (old credit card)
Collection account-opened Dec 2003 balance $430.00
Collection account- opened Feb 2005 balance $628.00
Returned check-opened 5/2000 balance $102.00(past due $127.00) identity theft. This account is also listed on another line as lost or stolen with zero bal.
Installment account (loan) opened Jan 2005 balance $360.00(past due$384)
Credit Card account- opened Dec 2004 balance $419.00
Credit Card account- opened Dec 2004 charged off balance $0.00
Collection account-opened Aug 2004 balance $34.00
Collection account opened Jul 2002 balance $2046.00
Per Credit Report account type unknown (credit extension, review, or collection) opened May 2001 balance $403.00
Per Credit Report account type unknown (credit extension, review, or collection) opened May 2001 balance $55.00
Credit Card account- opened April 2004 balance $509.00
Collection account- opened May 2005 balance $321.00
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dispute the 2001 and older stuuf first
only dispute 4 at a time

negotiate with the other collections to have them removed totally if you pay
in full + fees

if they will not paying will not help your score much
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THREE YEARS TO GET MY INQUIY OFF MY CREDIT REPORT

Quoting REAL PERSON
I BEEN WORKING FOR THREE YEARS TO GET MY INQUIY OFF MY CREDIT REPORT WHEN I HAVENT APPLY FOR ANYTHING. HOW DO I GET THEM OFF MY CREDIT REPORT I PUT A CREDIT FREEZZE ON MY REPORT. HOW DO I GET HOSTIAL BILL OFF MY REPORT WHEN MY INSURANCE PAYED THEM AND I SEND THEM COPY OF IT.THERE ARE SOME BILLS ON THERE THAT ARE TOO OLD HOW DO THEY TAKE THEM OFF THERE SOME FROM 1999......

--------------
use my free dispute form
www.oskie.com/credit-dispute.htm
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Would it be in my best interest to accept all these cards?

Hello there, I don't know if you remember me but we had a few correspondences a few weeks back. My credit score turned out to be 670 and you recommended that I establish a bit more credit since all I had on my record was Student Loan, Capital One Card and a Dell Computer Account. Well, low and behold I got accepted to quit a few cards. (Walmart, Target, Chevron, Master Card and Zales) Which leads me to my question, if you don't mind my asking. Would it be in my best interest to accept all these cards? Spend a few bucks on them, pay it off right away and then put the card away? Would this hurt or help my cause of upping my credit score? Since I need more credit experience on my record, should I get as much as I can or just a few more??
-----------------------
the best thing to do would be keep the master card and chevron card.
I would loose the others.
then I would charge stuf on those cards and pay them off the next month and
the gas car pay extra each month to you have a higher credit limti in 12
months. you must keep the card open for at least 12 months to have a rated trade line to get more good credit
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How do I get this information added to my credit report

I read your online article and I have a question for you. Below is the information you asked me to forward to you.

-My Mortgage Company
-They've had the account for 26 months
-26 payments made on time
-All of my credit scores are 475

I tried to refinance my mortgage 8 months ago and I noticed that it was not being reflected on any of my credit reports (Trans Union, Experian and Equifax). I filed online disputes with all of them and they said it was my mortgage company's responsibility to forward them my payment history. I followed up with my morgage company and they sent me a letter saying I was current and forwarded me a copy of my payment history. I sent this information to all of the Bureaus and they said the information was not being reflected on my credit reports. I escalated to my mortgage company and they confirmed my name, social security number and address. More importantly, they said they send this information electronically every month to all of the bureaus. How do I get this information added to my credit report with Trans Union, Equifax and Experian when my mortgage company is providing them with the approporiate information and it's not showing up on my credit reports and is not being reflected in my credit score?
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Im not sure. I do know that a 475 reflects some serious credit issues other than the mortgage compny reporting deal. 475 is about as low as it gets without being dead.
If the compnay reported; it may raise your score but probably not up to an
acceptable level for LOW rate refi's
I would venture a guess that
1. your name and social are not on the account like maybe the account is in your parents name or something
2. the company is not reporting as they say. We need some more investigation as to why the report does not reflect payments made if a company says they report.
3. the social number is incorrect

Suggestions:
Call the bureaus and ask how this info can be manually reported and how much it will cost. Call the mortgage compnay and find out more information. Something is missing
on this question. I do not know what it is.
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does your credit score go up once it has been removed?? or not??

Quoting REAL PERSON
I was just wondering if after you have something removed from your credit report after the 7-10 years is up, does your credit score go up once it has been removed?? or not??
---------------------
if you have recent and current credit working yes
if not no
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email me the fax numbers to all 3 bureaus

I am desperate. Can you please email me the fax numbers to all 3
bureaus to REALPERSON@aol.com? Please Please Please.

Thank you so much for your help
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faxes are totally unreliable in all facets
each time i update them they change them
then you never know if they got it or can read it
send your dispute in by certified 2-3 day mail. about 3 dollars a piece
keep copies and it will happen just as fast
promise.
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credit bureaus, the creditors, put items on my report that belonged to my dad

I recently found your site and have been reading through it. I am in an odd predicament which I will explain in the hopes you can point me in the right direction. When my father died in 1999 the credit bureaus, and in a few cases, the creditors, put items on my report that belonged to my dad. In one instance there is an item on my report from 1984, when I was only eight years old, for 100,000 dollars that my mother incurred while she and my dad were married for medical bills. The previous example is by far the worst of them, but there are many items on my report due to the exact same or similar circumstances and I have been meeting with heavy resistance in correcting this because I share my father's name, the only differentiating factor is our social security numbers, which are not even remotely similar to one another, and thus far have not seemed sufficient to get these items removed. I was wondering if you could give me any ideas for how to approach this in a manner
that will get the desired resolution. I only owe, at most, 10,000 dollars and thats probably stretching it quite a bit, but my credit report shows something in the neighborhood of 150,000 dollars in debt. I appreciate any guidance you can provide and I thank you in advance.
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I would get his death certificate and use copies of it to dispute these errors. In adition I would get a birth certificate for myself and snd copies of it in for dispute. I would get copies of all my reports and circle items that are obviously inccorect. Under the cirlced item I would explain the stupid stuff like I was 8 for goodness sakes. In addition i might go to thre better business bureau and foloow suite with them and ask for help.
Then I might go to the FTC
1. dispute with birth and death certs
2. copy reports and circle and explain the obvious errors.
3. get help from FTC and BBB
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I am someone of limited financial means at present, do you know of any ways to get a copy of my reports that is truly free? I have no credit cards so I can't even sign up for the supposedly "free" deals I have found on the net.
------
Use my free letter
They do not come with score
They do not come with helpful adice and 800 numbers like most free credit reports come with. You get all kinds of free stuff that really helps and you can cancel before 30 days and keep the free reports and scores. Or keep the monitoring and get cool stuff that really helps. Did you know everyone needs a credit card to keep the credit score alive.
See I am a nice real live person who really helps
---------
Unfortunately due to my credit report no one will issue me a credit card, I have tried many places that I have seen online, and the only ones that I could a card issued from required a "deposit" or secured acccount and the cards that they claim are 7500.00 in unsecured credit and are really some catalog company scam to get you to buy from them. I would be open to applying if you know of any that are truly designed for something like credit rebuilding or for people with damaged credit as a starting point. I really appreciate all your help, my wife and I had a little girl eight months ago and we are really trying to get our credit repaired so we can get a home loan and buy a home.
-----------
Get a BP Oil or some gas card at the gas station you use.
Mail in 200 or 300 dollars and ask to open an account with them as you need credit to buy a home. They did it for me and will do it for you too. Explain your credit is awful but you will pay good, on time, and more than you charge on gas each month. MY BET. They do it. Don't dig a whole. Pay an extra 20.00 per month and after 12 months you will have a 4-500 high credit and a recent credit history.
check out this page

I did it with bp oil in 1992 anf was charged off by BP for 3-400 bucks forgot? I still have that card today and this is the whole reason I got in this credit stuff. It hurts and is very hard work. YOU CAN DO IT.
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I have about 8 things with the letters

My name is REAL PERSON and I have about 8 things with the letters
disputing the charges. How do I get them to the bureaus to get this off of my credit? Oh and one more credit card in which i messed up back in college, how can i get that taken care of also?
----------------
Use my free dispute form.
I assume these letter are from creditors that say the charges are incorrect.
If they are your letters good luck.
In any event use the free dispute form
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any way i can pay it and have the default removed

Quoting REAL PERSON

hi there i checked out your website, i am woundering i have a default for £96 with a mobile phone company. is there any way i can pay it and have the default removed as apose to it just being settled and it still showing on my file.
------------
Absolutely.
Ask to open the same account and pay all fees.
then ask if i pay good for 24 months will you remove this file.
If they answer no it is probably not worth the trouble on a mobile phone bill as they do not report new goood credit. They only report poor payments.

A credit card however reports both and would make a better candidate for removal and establishing new good credit.

i would consider opening or using an existing credit card to over lap this bill.
In any event 96 is not much to spend and should probably be paid anyway.
I would still press for total removal upon payment in full including fees
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anything else i can do to have judgement removed.

Quoting REAL PERSON
Hi Bo just read your article very informational. My questionis how do i have a judgement removed from my credit report. i have paid in full over a period of time the account in question through credit counseling, but need this judgement removed from my credit file. the credit card company is mailing me a letter stating that the account is paid in full and my credit counseling company is also questioning the remova. is their anything rlse i can do to have judgement removed.
-------------
A Judgment will probably be on your report no matter what for at least 7 years and maybe 10 depening on state laws. Matters of law are the hardest to change. Electronic courhouse records do not change and court houses are not in the credit business so they are unlikely candidates for credit help.
Wish I could tell you something more optimistic.
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my father died in 1999, Bureaus and creditors put my dad stuff on my report

Quoting REAL PERSON
I recently found your site and have been reading through it. I am in an odd predicament which I will explain in the hopes you can point me in the right direction. When my father died in 1999 the credit bureaus, and in a few cases, the creditors, put items on my report that belonged to my dad. In one instance there is an item on my report from 1984, when I was only eight years old, for 100,000 dollars that my mother incurred while she and my dad were married for medical bills. The previous example is by far the worst of them,
but there are many items on my report due to the exact same or similar circumstances and I have been meeting with heavy resistance in correcting this because I share my father's name, the only differentiating factor is our social security numbers, which are not even remotely similar to one another, and thus far have not seemed sufficient to get these items removed. I was wondering if you could give me any ideas for how to approach this in a manner
that will get the desired resolution. I only owe, at most, 10,000 dollars and thats probably stretching it quite a bit, but my credit report shows something in the neighborhood of 150,000 dollars in debt. I appreciate any guidance you can provide and I thank you in advance.
---------
i would get his death certificate and use copies of it to dispute these errors. In adition I would get a birth certificate for myself and snd copies of it in for dispute.
I would get copies of all my reports and circle items that are obviously inccorect. Under the cirlced item I would explain the stupid stuff like I was 8 for goodness sakes.
In addition i might go to thre better business bureau and foloow suite with them and ask for help.
Then I might go to the FTC

1. dispute with birth and death certs
2. copy reports and circle and explain the obvious errors.
3. get help from FTC and BBB
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I ran my own, and I find a collection for $

Quoting REAL PERSON
Bo,
I was about two months away from buying a house, had a score of about 650 and before my lender ran my reports I ran my own, and I find a collection for $70. I called the company and found out it was from an unpaid hospital bill that had been sent to the wrong address. The collection company even said that they had in their files that the bills were returned to them. I paid by credit card, and they agreed to remove the item. To be safe I filed a dispute with all the cards only to find out that the collection agency is now refusing to remove. I called them and they claim they never said they would remove the item.
My question is, do I have any legal rights here since I never got a bill. Had no way of knowing my insurance didn't cover this portion of my bill and now have a mark that will hurt me to the tune of thousands of dollars in higher interest rates. It just seems like I should be able to sue the collection agency over something like this.
What would you advise I do?
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This is the typical he said she said didnt get i billed you kind off stuff that frustrates a lot of folks.

There is almost no way it sounds to get the people to remove the record.
1. I would add a comment to the record stating my case.
2. I would ask for proof in writting that they billed "ME" or threaten in a legal tone to take this up with the FTC.
3. I would call my insurance company and try to find something out from them about this bill. I advocate paying hospitals and not colllection companys on bill such as these. The hospital has the right to legally take items off your credit for billing mistakes if you can prove it was there mistake, an insurance mishap or just a mail mistake. The problem is the he said she said stuff.

You need to get your hands on some documents.
Alwaya get something in writting about removals before you make payments. Say send me a letter stating you will remove the account or mark paid as agreed and in full before one pays or else snafu.

I would definately try to find the root cause of this issues with thre hospital, the insurance company and the collection company.

hope this helps
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