Need advice on a credit reporting issue with a debt management plan.

Collections & Charge Offs

I paid my DMP payment in February, but MMI says they send payments to creditors about 6 days later, so PNC didn’t receive it until March. Because of that timing, PNC marked the account late and charged it off, which dropped my credit score

PNC told me they may correct the reporting once they see the February payment, but MMI says the payment dates are technically correct since they processed it in March. I’m waiting for an escalation call back.

Has anyone dealt with something like this in a DMP? Is there a way to get the charge-off or late reporting corrected when the payment timing through the counseling agency caused the issue? My credit was finally going to be over 600.

My account with PNC was finally going to be marked as current this month but instead was marked as charged off because of the late payment from the DMP.

Posted Mar 6, 2026, 3:53 PM UTC

12
Loading comments…