VyStar Customers Report Drop in Credit Score

Keith Robey paid his April and May credit card bills on time, but says VyStar reported it to three credit bureaus anyway.

JACKSONVILLE, Fla. — Credit scores for some VyStar customers are taking a hit after the May issue prevented online or mobile access for its members.

They tell First Coast News that even after making minimum payments on their VyStar credit card accounts on time, the credit union still logged their late payments and reported it to the credit bureaus.

“You would assume they would do the right thing by all their members,” Keith Robey said.

He has been a member of VyStar for about eight years. He says he never missed a credit card payment until he knew his May payment wasn’t enough.

“I pushed the button to satisfy the payment given the circumstances they were going through,” he explained.

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He used Magic Touch, VyStar’s automated system, choosing the minimum payment option, but was later told he was more than 60 days behind despite paying his April bills on time and of May.

“It made no sense how they reported the 61 days overdue when there was a payment made in April, a payment made in May, and then we were entering June,” he said.

Robey says VyStar reported his delay to three credit bureaus, although he says VyStar never notified him.

He says his credit rating has dropped significantly, putting him at risk of not qualifying for future loans.

“The way to get things done is with consistency and persistence,” Maya Magno said.

She is the owner of The Credit Xperts, a credit repair company. She says Robey’s situation is not unique and suggests if you find yourself in a similar situation to write to the credit agencies and document everything.

If that doesn’t work, she suggests that option.

“Before you do anything, if you’re going to settle with a creditor, always ask them if they can do a ‘pay to delete.’ is that even if you pay the debt you owe, it will still have a negative impact on your score,” Magno said.

Robey filed a dispute with the credit bureaus, but her claims were denied. He wants VyStar to right his wrong and restore what he says is his perfect payment history.

“You should stick to your mission statement, that’s what I would ask,” Robey said.

Late Wednesday, First Coast News received this response to Robey’s claims:

“His payment has been reviewed and verified, and VyStar will submit a change to the credit bureaus stating that the payment is considered ‘on time.’ Typically, these changes take approximately 30 days to take effect before members see adjustments in credit ratings.”