{ "media_type": "text", "post_content": "I had 60 day late payment of 35 bucks in Jan. It was new Amex Hilton card I opened for stupid points. It was reported and my credit score had been consistently dropping from last 6 months. It was 780 and now is 735. I realized this 3 months and been paying my credit card bills immediately. Infact I have overpaid each card to have negative balance so my credit utilization is almost zero. What else I can do to repair the damage. I am applying for homeloan and this is big issue to get best rate", "post_id": "5f64f03195fa69001ab5f32f", "reply_count": 2, "vote_count": 3, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

I had 60 day late payment of 35 bucks in Jan. It was new Amex Hilton card I opened for stupid points. It was reported and my credit score had been consistently dropping from last 6 months. It was 780 and now is 735. I realized this 3 months and been paying my credit card bills immediately. Infact I have overpaid each card to have negative balance so my credit utilization is almost zero. What else I can do to repair the damage. I am applying for homeloan and this is big issue to get best rate

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Posting as :
works at
You are currently posting as works at

Contact Amex and ask them to remove the negative report

Hey. Wanna not post in 3 (or even more I don’t see) bowls

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