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I literally just had a huge problem for my credit score. Apparently I cancelled a credit card for the water company which supplies water to a small property I o

I literally just had a huge problem for my credit score. Apparently I cancelled a credit card for the water company which supplies water to a small property I own. They sent mail to the address telling me to pay, but no emails or texts. By the time I retrieved the mail I was four months in debt and they had already called collections on me. Now I have a major negative event on my credit report that won’t go away for seven years. Over $150 of total late fees. My credit score dropped nearly 70 points. All because I didn’t check my mail for a few months while traveling. I really hate this system with a passion. A deep and profound passion.

warriormonk5 4y ago
Have you already paid? Ask for a "pay for delete agreement" if you haven't
- robcohen 4y ago
  When I spoke to collections they assured me it wouldn’t end up on my credit report, so I payed.
  - hansvm 4y ago
    Sounds like fraud. Do you have the communications?
    - robcohen 4y ago
      Unfortunately not, because it was over the phone.
      - hansvm 4y ago
        I vaguely recall that even in 2-party consent states recording lawlessness is still legal. Are there a y lawyers here who could chime in?
tuankiet65 4y ago
This is my #1 fear going to a doctor. I change my address every 6 months or so for work/study purpose, and I have to specifically ask the clinic to send me unpaid bills over email instead of mail. Sometimes I wish the US could swear off sending bills over the mail and just do it electronically.