In November I moved in with my g/f and put in a change of address with the post office. Everything seemed fine until recently when I found out that my Old Navy account has a 30 day late payment on all 3 credit bureaus during this particular time frame. I’ve never missed a payment in my life so I really want to get this fixed. I did a dispute with equifax (didn’t do the other yet) and they responded in 30 days stating that Old Navy showed proof of the legit late payment and is not making the change.
Â
My question is, what is the best way to go about approaching this? Should I send a letter to Old Navy or the 3 credit agencies? Do I even have anything to go on? I know that most creditors will say that receiving a statement in the mail is a curtesy and that I should have known that I had to pay the bill regardless if I got the statement or not. But IMO that is a bunch of crap.
Â
Anyway, I appreciate any help you all can give me!