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/ Safesky resource: https://disputes.safeskyconsulting.com/
Use Safesky's free DIY guide
Get the A-to-Z PDF for a structured approach to checking credit information.
This article is general information, not legal or financial advice. Results vary by credit profile.
