03-02-2013 05:11 PM
LavenderL, I had my reasons...but now I pay it a month early because I am afraid they have other rules that they will continue to damage my credit if they can...besides, if everyone here did everything exactly like they were supposed to, I don't think this sub forum would exist...
So please don't cast stones unless you can walk on water...
03-02-2013 05:14 PM - edited 03-02-2013 05:18 PM
You were inaccurate when you said my counting of the days was inaccurate...that is an inaccurate statement...WF response is that their posting procedures trumph Federal law and that it is the last word....I happen to disagree with them, thats why I was looking for case precedent that might show that a payment made and accepted on the 29th day could not be reported as 30 days late as far as credit reporting was concerned...
Just because WF's clock turn to the next day at 2pm doesn't mean the rest of the world starts a new day at 2pm also...in fact from what I know, most calenders don't turn till the next day till 12 midnight..if someone asks me what day it is a 2:15pm on wed, I am going to tell them wed, not thurs...and I bet you would too...at some point common sense should prevail in this types of situations...
03-02-2013 05:20 PM
03-02-2013 05:27 PM
Dont worry...nobody can disparage me from fighting this thing lol...and I don't think you are throwing stones at all, you are just stating your opinion.... I have tried BBB and a couple of other consumer protection agencies but there response is always the same...they are sticking by their posting guidelines as reason for their reporting...
03-02-2013 05:35 PM
Sorry, I was not trying to be judgemental. I have credit issues also.
I was genuinely curious because at first read it seemed like you were trying to time your payments to be late or something on purpose. Sorry.
03-02-2013 05:40 PM
03-03-2013 10:05 AM
yes.... Wells Fargo
03-03-2013 10:17 AM
03-03-2013 07:10 PM
that is very interesting information...would you mind providing me a link to where you found this information...it would be greatly appreciated...
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.