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It was totally my fault. I paid off my HSBC visa back in May 09, in doing so I used the rush payment service $12.95. Here is where I screwed up. I didn't take in account that the $12.95 was going be charged to my account in June. When I got my statement, I didn't open it, it went straight into the shredder. I screwed up!! I just talked to them about to see if there is anything I can do about reversing it. They said there is nothing I can do.
So, is there anything I can do to get this off? How long will it be on my credit report? My scores dropped 80-100 points!!!!
Had a miss understanding with the mortgage company about a year ago.
told them to keep the late fee all I wanted was the 30 late gone and they agreed