Mortgage and Insurance

Hey –

 

I figure this is the best forum to post this question in.  I have a 30-day late payment showing on all three of my credit reports for my GEMB/American Eagle CC.  I called Friday to ask about the chance of deleting it and was said they can’t do it over the phone and gave me an address.  I then got the guts again to call them yesterday and inquire about it.  This time I was told that I was actually late November and December (but for some reason, they’re only reporting it for the December 2009 on my credit inquiries).  To be honest, that was such a crazy time for me (I was having surgeries) that I honestly don’t remember being late in November.  Anyway, I was told that in addition to those late payments, the CSR was unable to remove my Dec late payment because they are audited and they need a justified reason as to why the late payment was removed.  She gave me the example that if they had a returned mail flag on my account, then they could remove it.  She, too, gave me the address to mail my letter in.  I sent a GW letter back on Thursday so they’ll probably get it today or tomorrow.  I’m resending one today, too, just in case. 

 

So I was told on another post that those are just excuses and they can indeed remove the late payment.  So my question is, if I call again, what wording should I use?  The only reason I’m actually doing this is because I already signed a contract on a house and if I don’t get this removed, I’m pretty sure I’ll be denied a mortgage, which would suck because I was way excited I was actually buying a house.  Should I try to speak to another CSR or ask to speak directly with a supervisor?  Has anyone else had success with calling a creditor and getting a payment removed?  Thanks!!  I need words of wisdom.

 

PS – I found a backdoor number for GEMB.  Does anyone know if they will handle my American Eagle Outfitters inquiry and do they handle removal of late payments? 

• Gemb/American Eagle remove late payment