I can't afford my payment this month — how do I prevent being reported as delinquent to the bureaus?

We understand the stress that comes when you get behind on your payments. If you’re experiencing financial hardship, we’d like to discuss the options available to you. For more information, please call us at (800) 878-0901 or email us at support@happymoney.com, and one of our Happy Money Customer Advocates can discuss hardship programs that may be available to you. 

Please note that if your payment is over 30 days late, we’re required to report that status to the credit bureaus. We cannot make exceptions to our credit reporting process and are unable to remove or change any accurate data that has been reported.

However, catching up on payments will stop additional late marks from being reported — and we’re here to help get you back on track.

For more information about how and when updates appear, visit What Happy Money Reports to Credit Bureaus.