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Lowes Removed My Missed Payment

 I thought I had setup autopay on my Lowes Card.  I charged a couple little items.  I did not check my statement and it went to 60 days late.  I first saw it when I opened my Credit Karma account.  Ouch, I might have said something else, grin.

1.  I paid the missed payment

I immediately went to Lowes and paid my account.  The next day I called the Lowes Credit Card phone number from the back of the card.  I very nicely talked to the customer service agent. I took responsibility for missing the payment.

2.  I used the Lowes Card some more

I spent a little more money at Lowes on my Lowes card over the next few months and obviously paid on time. 

3.  I waited to ask for the Missed Payment Removal

After about 6 months I called up Lowe's Credit Card customer service.  I explain to the customer service person that I was looking at new cars and would there be any way they could possibly remove my missed payments. I was extremely nice. This is a necessity when dealing with customer service.

She said she'd ask her supervisor and came back a minute later and said yes it has been removed. In about a week I checked again and it had been removed.

Lowes Removed My Missed Payment

I have several friends that have used the same method with Vicotorias Secret, Tire shop, Chase Credit Cards and others.

You Missed a Payment,Do not Cancel the Credit Card

The first instinct when I got my first missed payment was to pay off the card and then cancel the card.  If you do this the negative will hang out on your credit report for seven years.  

If you apologize to customer service, take responsibility for missing the payment and catch up on payments you are on your way to getting the negative removed.  

If they have not cancelled your account, I would use the account a little and make more payments on time.  Show them you are a valued customer, don't tell them.  

After about six months from your missed payment ask if they will remove the missed payment from your account.

If this does not work, do not stop.  Use the account a little bit more and in another couple of months ask again.  Persist until you succeed.

  

  

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