2006-07-15 06:12:07 · 7 answers · asked by maribucho 1 in Business & Finance ➔ Credit
legally if you weren't getting statements monthly, unless you opt for e-mail statments, it's the Credit Card Companies fault. Call them, see if on their end it shows delinquent, if it does tell them you didn't recieve any statements, legally they HAVE to remove any fees, finance charges, and the hit on your credit file. If the companies shows you on their end as current, have then perform a credit bureau update. I work Customer Service for Discover Card and we call this an "Off-Cycle Bureau Update", it's possible it was reported wrong at the time they stopped reporting as most companies stop reporting when the acct is closed. You can also dispute the acct through the credit bureaus, and they will verify the acct history. This can be a good way to clean up your credit if you have some bad history as well, any time you dispute an acct, the company has so many days to repond, if they don't, your acct is removed from the file, and your score goes up. Even if the acct delinquency is valid (ie you really were late) if company doesn't respond it's removed. Most companies don't respond on closed accts. So, dispute anything that's derogatory on your credit file, the worst that can happen it that they stand, but you may luck out and the tradeline will be remove and your file cleaner, and score higher, it's worth a shot.
2006-07-15 18:34:56 · answer #1 · answered by voyagerdude 1 · 2⤊ 1⤋
You need to contact the credit card company and find out what is going on. You should have been getting a bill all along that would have clued you in to any remaining balance.
It is possible that when you thought you paid it off, a small balance (interest acrues daily) was left, but again, you should have seen a bill between now and then.
Otherwise maybe someone stole your account number.
Either way, you need to contact them and ASK what is going on to clean it up.
2006-07-15 08:03:35 · answer #2 · answered by Lori A 6 · 0⤊ 0⤋
Make sure your payment posted to your card and it didnt get lost or post to someone elses. They wouldnt just tell you now out of the blue that you have a delinquent account, if that were the case, you would have received several notices in the mail to alert you of the situation. Call them and find out if someone didnt get a hold of your card info and there are no fraudulent charges on your acct.
2006-07-15 07:14:44 · answer #3 · answered by Mx2 4 · 0⤊ 0⤋
Did the card have a monthly fee for keeping it open? Capital One the credit card by any chance? My mom had a Capital One card the was $3 each month it had a balance, she did not use it for many years. One day she used it to make a purchase less then $10, and they charged her $3 month for 3 years since she used the card!
2006-07-15 06:29:30 · answer #4 · answered by maybachjr 2 · 0⤊ 0⤋
I found some good info here.
2006-07-15 06:15:29 · answer #5 · answered by Anonymous · 0⤊ 0⤋
This has happend to me too, call your bank and get the check that you gived them, and send it to them, sometimes the credit card makes mistakes.
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2006-07-15 08:42:47 · answer #6 · answered by Anonymous · 0⤊ 0⤋
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2006-07-15 06:15:35 · answer #7 · answered by Anonymous · 0⤊ 0⤋