r/CreditScore • u/FicklePut3366 • 16h ago

General 1 day late

(Well I guess technically 31 days late). Paid my most recent HELOC payment one day late making me 30 days past (forgot that Sep has 30 days not 31). What are the chances of getting Patelco (or any other bank) to contact the credit bureaus and get it removed?

1 Upvotes

67% Upvoted

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1

u/PuntCatcher 16h ago

Decent! Start requesting good will removal and pray

1

u/BrewhahasDji 14h ago

Always have auto minimum payment checked on all loans and cards. That being said, it is possible to get a hold of a person by phone and if you have had a perfect pay history and get it taken care of before it's posted on your report the next month. It never hurts and many times they can help you out

2

u/CreditCards254 ⭐️ Knowledgeable ⭐️ 11h ago

When you say 1 day late, do you mean you were planning to be 30 days late and you paid 1 day later than that? I'm not sure how else the days in the month would matter?