Re: Failure to correct billing address
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Posted by Wayne Patterson (66.191.165.11) on May 20, 2003 at 01:57:25:
In Reply to: Failure to correct billing address posted by Cosmo on May 20, 2003 at 00:04:15:
"However, I'm wondering if there are laws that protect my credit rating in this case." No. You didn't pay and they can report it. "limit the amount they can charge for late fees and finance charges." This is covered in your credit card agreement. "Also, is there a way I can have the bad mark removed from my credit report?" It depends. Try to get an agreement that the report will be removed in return for payment. You can also negotiate the fees and finance charges that have been added. I suggest you research the sample letters at http://community-2.webtv.net/Y-chat/WhyChatsCredit/ or at the link below. "Sample letter requesting a Collection Agency to validate and remove a listing from their database." is probably the one you want.
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