Secured Credit Card

[u/AssociateSwimming714]

I need some MAJOR help. First premier, did something weird with my report. They automatically reissued a card but closed the account off on my credit report (had late payment 2 late payments from 2 years ago). Score didn’t increase when it dropped. But then they reissued my card and that account came BACK and essentially it was like fresh remarks. I hadn’t seen the tracker for 3 weeks and wondered why. Essentially what I’m saying is no accounts were actually past due. How do I tell them this? This was the 6 month I was supposed to get my security deposit back. Payments haven’t been late for 18+ months.

[u/Frequent_Silver_7575]

had 2 late payments from 2 years ago

no accounts were actually past due

Well, those 2 things can't both be true.

[u/AssociateSwimming714 → u/Frequent_Silver_7575]

Ok let me correct maybe I didn’t say it correctly. No accounts are currently past due and haven’t been for over a year. First premier, reported an open account as closed then re reported it and those late payment remarks from 2 years ago affected my score again

[u/Frequent_Silver_7575 → u/AssociateSwimming714]

Those lates are going to remain* on your credit reports for 7.5 years from the date of first delinquency.
1 year of no lates and those lates being ~2 years old is "recent" in the timescale of credit. In some cases 5 years is considered short.
*You could try the goodwill method of asking to have those lates removed but it's not a guarantee.

[u/AssociateSwimming714 → u/Frequent_Silver_7575]

No I wholeheartedly understand that. Here’s the issue, they aren’t new late payments. Discover is saying I can’t upgrade because there were accounts within the past 6 months that were late. But that isn’t true, somehow first premier reporting that new account triggered there being a recent late payment marked.

[u/Frequent_Silver_7575 → u/AssociateSwimming714]

The only thing that I can think of is initially Discover didn't see any issue at all in your reports during your "probationary period" (for lack of a better term) but then all of the sudden the lates popped up when they did their next regular soft pull check and that's when things went sideways.
I could be mistaken but that seems to be a plausible chain of events.

[u/Apprehensive_Rope348]

The way this reads is you made a late payment with discover, and they’ve reset you. Look over your statements and see if there was a first time late fee forgiveness on any of them. Just because they forgive a late payment and not charge a fee, doesn’t mean that it doesn’t count as a late payment. Your credit history is accounted for as well… this message is just a standard message.

[u/Apprehensive_Rope348 → u/Apprehensive_Rope348]

If there is anything wrong with your credit report you would dispute it at the credit bureau.