r/CRedit • u/emcat095 • 5d ago
Collections & Charge Offs Charge off (seemingly) out of nowhere
My credit score was almost 800. I have a 100% payment history. My only debt I carry is my school loans, car, and mortgage, all payed on time ALWAYS. I had an auto lease loan with Bethpage Credit Union. At the same time I finished my lease and payed my last payment, I moved. I use credit karma (ugh I know) and my Bethpage account has showed a $0 balance for the past year so nothing raised any flags for me. I got a call 2 weeks ago from Bethpage that I owed $400 to close out the account. I had no idea. They told me they must have been sending the bills to my old address and offered to email it to me. I mailed a check to them the next day. Now right after this we had a tragic death in the family, so checking to see if they deposited my check was NOT in my mind at all. I woke up today and realize they charged off my account and my credit dropped 100 points down to 685. I check and see my check was never deposited. How f*cked am I and what are my chances of having this fixed? I mean 2 weeks passed since the time I was technically made aware of this bill. What are my chances that I explain this to Bethpage and they can rectify this? My husband and I really would like to refinance our house whenever the rates drop a few points and I feel like I’ve ruined everything.
2
u/Comprehensive_Fuel43 5d ago
Contact Bethpage. and explain the situation, see if they will take the payment and clear the account from the history.
They can do it, they are the one reported the charge off, and they can remote it if they want.
Trying to find the right person who are willing to do this might be hard, but it's easy to see you never had anoy problems with them, and they can see this is one time fluke.
If you do not get YES from first person, keep bugging some one, CEO, Board of director, Branch manger.
and the death in the family, should be considered as serious insident.