Re: Ask me anything about your Credit Score
About two years ago I phoned in to Capital one to cancel one of my credit cards. I did not receive the next bill. However, a month+ later, I apparently was sent a bill for a magazine subscription that automatically renewed itself.
I was living at home and receiving numerous credit card offers in the mail. I told my parents which active credit cards I had open and they tried to sort through the mail and throw out any credit card offers. Unfortunately, they threw out my Capital One bill (which I thought was cancelled) twice. This resulted in a 30 day and a 60 day late payment showing up on my credit history...all for a $15 magazine subscription automatic renewal.
I am applying for a mortgage now. These are the only late payments on my entire credit report. Should I/Can I do anything about this to help out my score?
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