How do Chase Late Payments affect My Credit Score?

Posted on November 21, 2008
Filed Under Credit Card Collections, Credit Repair, Credit Report, Late Payments |

If you recently had a late payments (past 30 days overdue) to Chase, you may be wondering how it affects your credit score. Unfortunately, having a late payment with Chase will cause your credit score to go down. However, there are some things that you might be able to do.

Chase reports any payment that is over past due to the three credit bureaus (Experian, Equifax, and TransUnion). So, if you were only 2 weeks late on a payment, don’t worry, it doesnt get reported on your permanent credit report!

The bad news is that your late payment has been reported to the credit agencies. However, the good news is that you can take some action right away to improve your credit score. You may or may not be able to actually remove the late payment from your report. But I want to share with you what I did when i had a late payment.

How to Remove Chase Late Payments

The very first step to repair your credit is to get a valid copy of your credit report. I used Experian to get a copy of my free credit report and score because they are one of the three legitimate credit bureaus. Not only did my credit report show me what was wrong with my credit, it also shows exactly where and how to contact the account with a Chase late payment in order to dispute it. Having my credit report made it easy. I recommend that you get a valid copy of your free credit report from Experian right here to start the credit repair process.

“My FREE Credit Report Showed me how to Improve My Credit Score!”

One of the easiest steps to improving your credit is fixing any errors that might be on your credit report. Did you know that according to a recent study, 4 out of every 5 credit reports contain errors on them? By simply viewing your credit report and correctly some common errors, you may be able to boost your credit score immediately! The best advice I can give is to get your valid copy of your credit report today and start the process of improving your credit.

Over time, I learned how to write credit repair letters to my creditors, how to remove judgements, chargeoffs, negative accounts, and deal with late payments including Chase late payments. So, I want to share what I learned with you that made such a dramatic increase in my credit score.

Free Credit Repair in 7 Steps

I have shared with you the first step to repairing your credit (getting a free copy of your credit report, and fixing errors). I have put together a 7 Step Free Credit Repair course that will teach you how to improve your credit. Its free. It is simply a series of 7 emails that explain the current laws and techniques needed to repair your credit score ON YOUR OWN! It will boost your credit score and help you get approved for the loans you need. Simply leave your name and email address below and I will share with you the 7 Steps to Credit Repair that I learned to improve my credit score from a 490 to 700.

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