You see my credit union changed card providers 3 years back. It was during this so-called changeover that an 80 dollars payment wasn't credited right and neither did it get reported on my Experian FICO. This is shown as a delinquency on my report. It's obviously incorrect and I'm clueless as to how do I get it removed.

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Okay that was an old one. Why don't you take out a new report and see what it says? Shoot off a letter to Experian and see how they respond if the error still persists.

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