Woke up to a complete disaster this morning! I got a notice from my credit reporting people that someone had checked my credit, I logged in and found that it was just someone I already have a loan with, so I went on to get a new report and credit score while I was at it and oh holy crappers my score went from 732 to 654. YIKES!!!! The detail showed me not making a payment on our mortgage in June. Thought how can this be. Opened up my Quicken and sure enough, made the payment ON TIME, grabbed my confirmation # and called them right up. They showed my payment was posted, but to the wrong internal account code.
So because they have incompetent people working there, I have to pay the price?
They told me that because our account is in loan modification review, that they are unable to remove the ding from the credit, not until the account if finished being in review. This after we applied for the Loan Mod in December of last year and they said it would take 3 months to complete, we are at month 7, gimme a break, who knows how much longer they will lag. I told them it’s unacceptable, as soon as my other creditors find out that my score is that low, they are going to raise my rates real quick. Got a Supervisor on the phone and they said they would submit for a request for removal.
I have to stay on top of this, what a load of crap. Also you would think a procedure would be in place to notify customers of their past due payments before they ding your credit.