(Closed) Don't forget to pay your bills!

posted 6 years ago in Money
Post # 3
Member
6124 posts
Bee Keeper
  • Wedding: August 2012

I missed a Kohl’s bill due to the wedding and I called to ask if they could remove it.  They did! 

 

Have you tried calling up and giving an excuse?   I see you called!  

Post # 6
Member
1668 posts
Bumble bee
  • Wedding: March 2012

Been there.  I charged something on a card I never use.  I forgot to pay the bill (since I never use it) and paid it in full 10 days late once I realized.

Citibank were total @ssholes about it.  They didn’t refund my late fee and lowered my credit limit.  Nevermind I have excellent credit, had had the card for 10 years without a problem.  I closed my account I was so pissed.

Post # 8
Member
5475 posts
Bee Keeper
  • Wedding: August 2012

I’m the queen of financial responsibility, and I did this very same thing.  I did catch it early enough that it hadn’t been reported (I was like 5 days late) so I went to the branch in person to change my name on all my accounts and just asked, given the hectic circumstances of getting married, if they could waive the late fee just this once if I paid it in full right away.  They were happy to oblige, and I made sure I paid that shit off IMMEDIATELY.

Post # 10
Member
6124 posts
Bee Keeper
  • Wedding: August 2012

Did 70 points really “thrown my whole life plan out the window?”

 

Try not to beat yourself up!

Post # 12
Member
5475 posts
Bee Keeper
  • Wedding: August 2012

Hopefully the person you got on the phone will be able to fix the issue, and worst case scenario- your fabulous credit has a teeny tiny ding on it.  It’s probably still better than most anyway 🙂

Post # 13
Member
745 posts
Busy bee
  • Wedding: December 2012

If all else fails, you can always write to the credit bureaus disputing the negatve mark. I’m not sure if it would work, but it might. Though, keep going higher up the management chain if you don’t get satisfaction. 

I’m not sure of what else to do besides that because I messed up my credit in my early 20’s, and haven’t had any since 2003, so I’m not the best person to give advice.

Post # 14
Member
6124 posts
Bee Keeper
  • Wedding: August 2012

I will keep my fingers crossed!

Post # 16
Member
478 posts
Helper bee

     Before panicking too much, you might check your real credit scores.  My credit karma score estimate and my real credit scores are always at least 40 points off, with my real scores better.

 

edited to add: i replied before seeing your last post.  credit karma is no agency’s real score, it’s an estimate. so don’t panic!

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