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14 April 2005 @ 11:10 am
Appearances can be deceiving  
Just because your bank sent the check to the credit card company...

Just because the check was more than the minimum payment...

Just because the check arrived a week before the due date...

Just because the check was CASHED five days before the due date...



...doesn't necessarily mean the payment got in the computer, thus making it clear that you have not missed a payment on your credit card bill.


Today has been a series of not-fun phone calls with financial institutions.  A copy of the cleared check is being mailed to me.  When it arrives, I will fax it to the credit card company.  Then, hopefully, they'll clear my name.  And my credit report.


Grrrrrr....
 
 
 
Master Thomastommyomega on April 15th, 2005 12:13 am (UTC)
Not an expert, but definitely a concerned cititzen...
Make sure to get from them in writing when you present them with proof of the canceled check that they will indeed fix your credit appropriately. Easier to argue later when you find out they didn't (and in a lot of cases, they don't). I paid a medical bill once that the insurance company didn't cover, and supposedly the physician's office never got it, it went to collections, paid collections... had to go through hell to get the collections agency to reverse the bad credit.