insomniac419

I agree with "mzeisberg" - particularly with credit card companies and how they report. I enrolled in a payment partnership program with one of my credit card companies, instigated by them in an effort to help me catch back up with my debt, and they set up a year's worth of automatic payments. Through a system error, they kicked me out of the program because I was "late on a payment". When I called, they said "oh, our mistake", but I noticed they still reported that to the credit bureaus and I still got charged a late fee. When I called to correct it they said "No problem, taken care of". I received a credit for the late fee, but unfortunately my credit score continued to decline. The following month I got another call because I was two months behind! I explained the earlier snafu and the guy said "Oh, well I see the note, but they never fixed the problem. I'm going to have to re-enroll you in the program". So now I have TWO payments automatically deducted from my account, though he assured me only one would come out - just a huge mess! All the while, I am still racking up fees and negativity on my credit score. No matter who I call and explain the situation to, no one seems to understand or care. And when I ask about how it will affect my credit score, they all say it won't have any effect.