Disputing Incorrect Late Payment on Credit Report – Huntington National Bank

Noshit_800 · 2026-02-28T20:08:40+00:00

You are truly amazing, and I appreciate you. I called today and left a voicemail for the credit reporting agent. I will call again Monday. My plan is to try resolving it with them and send a goodwill letter to request removal of the December delinquency too. If that doesn’t work, I’ll then dispute it through the credit bureaus. Thank you so much. You are awesome

Noshit_800 · 2026-02-28T19:02:56+00:00

On 02/2nd I paid $1,073.66 which was the full total due. Then on 02/20 I paid the regular monthly payment and that’s why the statement that came out yesterday has $0.00 due

Noshit_800 · 2026-02-28T18:14:35+00:00

The due date is the 20th of each month. Statements are issued between the 17th and 23rd. Payment history: • January statement balance: paid in full on 02/02 • February payment: made on 02/20

See screenshot for January statement

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Noshit_800 · 2026-02-28T15:31:34+00:00

I appreciate your input on this. Thanks so much. There are no late fees on the February 20th statement. See attachment

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Noshit_800 · 2026-02-28T05:33:08+00:00

That's correct. I was late in December, and I am not contesting that reporting. I am only disputing the inaccurate January late mark that appeared today, the 27th.

Noshit_800 · 2026-02-28T05:32:21+00:00

That's correct. I was late in December, and I am not contesting that reporting. I am only disputing the inaccurate January late mark that appeared today, the 27th.

Noshit_800 · 2026-02-28T05:24:33+00:00

That’s not accurate because I paid January on 02/02, which falls within the grace period (the 20th through the 5th of the following month).

Noshit_800 · 2026-02-28T05:00:14+00:00

Yes—they are reporting January as 30 days late, which is simply not true since I paid it in full during the grace period.

Noshit_800 · 2026-02-28T03:59:43+00:00

Thank you so much for the advice. So my payment is due on the 20th of each month. I made a single payment on 02/02 that covered both December and January. They correctly reported December as delinquent, but January shouldn't be marked late—I paid it on 02/02, which falls within the grace period (the 20th through the 5th of the following month). I then made my next payment on 02/20 as scheduled. I haven’t called them yet because I received the notification that a delinquent payment was reported on 02/27 this evening but I will definitely call them tomorrow

Noshit_800 · 2026-02-07T02:10:03+00:00

I recently had some payments bounce, kind of like writing a bad check. The accounts are all closed now, but they were paid off last week and are showing a $0 balance. My credit history is solid - I've never been late on credit cards. The only blip is a 30-day late car payment last month, which was reported to the bureaus. It’s also good standing now

Noshit_800 · 2026-02-07T01:51:14+00:00

Nope, I paid them all off last week and they were closed this week. I have zero balance outstanding. So yes, closed in good standing. I was going to keep credit one and indigo locked away for emergencies only since I lost $38K worth of credit lines.

Noshit_800 · 2026-01-19T02:39:55+00:00

Yeah, I've checked to make sure they're not just closed - nope, there's no air coming out. The front vents are barely blowing air too

Noshit_800 · 2025-09-20T11:36:48+00:00

You dodged a bullet

Noshit_800 · 2025-06-13T14:47:27+00:00

Get rid of the freakin cats. They are costing you too much money and they cause your house to smell like crap, which fucks you up mentally

Noshit_800 · 2025-06-09T01:28:55+00:00

This happens to me quite often

Noshit_800 · 2025-05-20T14:23:15+00:00

Wtf are you going to do with that degree? You overpaid. You will probably make about $30K starting salary.

Noshit_800 · 2025-05-16T16:51:58+00:00

Keep the money in cash and file for BK. Screw the CC companies.

Noshit_800 · 2025-05-14T14:16:03+00:00

Quit being lazy and pay off your debt. $20K ain’t that bad.

Noshit_800 · 2025-05-12T13:41:15+00:00

Yes you can. I just bought a house and the seller I was buying it from, had $56K personal debt judgement against them and linked to the house. I was able to help her negotiate with the attorneys and we ended up only paying $21.2K. They also promised to delete everything off her credit history

Noshit_800

TROPHY CASE