payment due on the 1st.Made payment on the 10th. company gives a 1o day grace period.no additional fees was required.july payment was due on the 1st.made payment on the 16th.from june 11th through june 30th my payment wasn't due yet.so thats 19 days that was charged against me when I wasn't late.so is it legal for the creditor to report you even if your payment isn't due yet.i'm speaking of the 19 days in june when my payment wasn't due.if they can charge me late when my payment isn't due ,could I be charged late if I pay early the previous month say 5 days early and pay on time the next that equates to 35 days .
Assuming your timing calculations are correct, you should give written notice to your creditor of the billing error. Make sure the notice is in writing and send it by certified mail to the address stated in your billing statement for inquiries and errors (not necessarily the payment address). You should give this notice not later than 60 days after receiving the erroneous statement. For further information, see the federal Fair Credit Billing Act, 15 USC s.1666. While the item is disputed, it should not be reported to any credit bureau.
Maybe. If I am following you correctly, your July payment was late. It was due on the 1st, but you didn't make the payment until the 16th. I don't know if you meant to say June? At any rate, you were late if you paid on the 16th. Did late charges or over the limit fees generate. There are many questions that I still have. You need to get on the phone and figure out step by step what happened. If you still dispute what the credit card company is reporting, you can contact the bureaus and put a dispute in. Dispute it by sending in the form via certified means instead of using the online method. Good luck!
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