Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

To whom it may concern, As per XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies : Thank you so much for taking the time to read this letter. I am writing because I noticed my most recent credit report contains a late payment reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Discover XXXX XXXX XXXX account I had opened since XX/XX/XXXX. 

I want you to understand my financial obligations. In the wake of XXXX everything in my life turned into complete turmoil. In complete transparency, I was unemployed during those months. I have been working at XXXX XXXX in my neighborhood since XX/XX/XXXX but in the wake of XXXX, they have been laying off employees left and right. Since then its been super difficult to maintain a stable job. I had some money saved up but I had used whatever I had towards my books and lab equipment while at college. 

Additionally with my XXXX in and out of the XXXX due to her contracting XXXX multiple times while working as a XXXX in the midst of a pandemic- its been super difficult to keep up with everything. 

Nevertheless in XX/XX/XXXX, I was able to go back to work. I made it a priority to get my finances in check and pay off any outstanding debt on any of my accounts. I became more financial literate and really understood the meaning and responsibility behind having excellent credit. As of XX/XX/XXXX, I owed I believe {$700.00} to Discover. I completely paid that off in full as I wanted to have a clean slate. 

If it werent due to these unforeseen circumstances, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I picked up XXXX jobs, saved up more money, and maintained a low utilization XXXX % across all my credit cards. I was even recently approved for a credit limit increase from {$500.00} to {$4300.00} on my Discover Card. 

Since then, Ive had a spotless record of on-time payments and opened up XXXX new credit cards. The XXXX XXXX XXXX in XXXX of this year and XXXX XXXX XXXX XXXX XXXX XXXX last month. My XXXX XXXX went from XXXX to XXXX as of XX/XX/XXXX. I preach the importance of credit cards to peers and even got a number of them to open up credit cards themselves. I have auto-pay set up but I am always sure to pay my account off in full every month. I do not like carrying a revolving balance on my account. 

Being a recent college graduate at XXXX XXXX XXXX from the XXXX XXXX  XXXX XXXX XXXX, I plan applying for an apartment soon. It has come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that those missed payments do not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance to remove the late payments on those dates I bolded above off all of my credit reports. I know it takes 7 years for these late payments to fall off but I do not want those late payments to hinder my financial success now in my XXXX.