I missed one Fortiva payment last month and I’m... - Other Questions


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Credit Card Applications » Questions » User Questions » Other » I missed one Fortiva payment last month and I’m afraid my credit is going to suffer as a result. Is...

I missed one Fortiva payment last month and I’m afraid my credit is going to suffer as a result. Is there anything I can do to restore my credit rating once I’ve made a late payment?

Answered on | Updated on October 1st, 2016
The content is accurate at the time of publication and is subject to change.

There’s good news and bad news here. The bad news is, there’s really nothing you can do to change a late payment, once it’s been reported to a credit bureau as negative information. You just have to wait it out, and it will come off your credit report within a few years. But the good news is, it’s actually unlikely that your missed payment has been reported to the credit bureaus. Of course, I’m assuming that when you say, “missed payment” you actually mean “late payment,” and you’ve now brought your account into good standing. If this is the case, and if the payment was not more than 30 days late, there’s very little chance it will bring your credit score down. If you’re worried, go ahead and pull a copy of your credit report to check whether the late payment was recorded. Chances are, you’re fine – and next time, you’ll remember that due date.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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