XX/XX/2015 I worked out a payment plan with XXXX XXXX so I could pay off a delinquent amount owed. When the Rep first told me about their generous payment plan option she told me that they would waive all late fees, interest and annual fees to help me pay off the balance if I agreed to terms that they would directly tap my checking account for a set sum every month for a year. The problem is when I asked how this would affect my credit report she said she did not know. I had to work out something so I took the offer. Now however I have some debt I truly need to pay off including XXXX XXXX and want to refinance my mortgage to tap my home equity to pay it off once and for all. The problem is that I just learned through applying for a refinance that my FICA score is so low due to XXXX continuing to report that I am delinquent. When I spoke to XXXX Customer Service a few weeks ago, they told me that they were aware that any of their payment plan options on my card would, in fact, affect my credit since they do not attempt to adjust for the acknowledging the payment plan I am on. My complaint is that the original Rep did not reveal this to me. If I had known this at the onset, I would have immediately worked to refinance XX/XX/XXXX before my FICA dropped so precariously low. I feel the original Rep was deceptive in not properly investigating internally how her own company would handle my credit reporting. And, they wo n't send me the transcript of the original Reps ' call with me either, which I feel further proves they are hiding behind what was not said and should have been. Now not only am I prevented from getting out of debt and paying XXXX off sooner ( to their own disadvantage I might add! ), but I am financially strapped until this XXXX debt is paid off this fall. I can not wait to do this as I am getting into deeper debt every month as my other credit card bills continue to mount with interest. The ONLY one reporting me delinquent is XXXX -- every other card issuer and bill payer I am on time. This is serious for me. Can you help get them to eliminate the delinquency reporting so I can get my FICA score back on track to get a refinance and pay them and other creditors off? 
