Lots going on and I forgot to pay my car note. Chase reported it to credit bureau and my score dropped. I was alerted to this via credit karma yesterday and immediately paid and then some. Called Experian and put in a dispute. Called chase and they can do nothing. Anything else I can do?

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Based on credit reporting laws, Chase is correct that they can report you as late once your payment is 30 days or more late. They don't have to change the reporting. However, if you write a letter to Chase to the Office of the President at their HQ address explaining you've been a good client, this is your first late payment and ask for them to delete this once, they may do it. (Customer service reps and their managers don't have the power to grant the request.) When I practiced I focused on financial issues. I had my clients send in these letter and most of the time the creditor removed the late payment from their credit report.

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If your payment history with them is fine, it shouldn’t be an issue just this once. It must be pretty delinquent for them to go and report it already. You need to argue with Chase.

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I did argue with chase, they have to mandatorily report anything that’s past due more than 30 days, no exceptions. This is my first time being late ever.

Pay your bills on time

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Not sure what you do in this situation... you were technically late. Gotcha set up auto pay going forward.

Oh I for sure did and learned the hard way

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