A monthly payment was made in 2014 and I was mislead that it had to be made by 2:00 PM to be considered as payment made on that day so payment was made on the internet but it was made at 5:00 PM and was taken in as a late payment on my credit report and I just dont feel it was fare and have asked for it to be reconsidered and removed but it has been ignored all this time (4 yrs) and I am still trying to make them understand that the payment was made by the due date but the time of the day has made my payment as late payment of 30 days. Not fare! Never heard it had to be made by a certain time! as long as it was made by the due date.
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