I was going to be out of town for a few month around the first of the year so I went ahead and clicked to set up the auto payment plan on my car loan's online application (volkswagen). I got the confirmation screen. I didn't print it. I've set up accounts like that before and never had troubles. It said I had to pay that month and it'd be set up next month, but I thought I had done it in plenty of time. I should have, in retrospect, done it months before hand so I could see if went through.
Anyways, I did have access to pay it while I was gone, but I didn't even think about it. When I got back, there were several messages waiting for me and I immediately payed both months online. Then they called and demanded payment then and there, so I payed both months AGAIN (paying 4 payments in that period).
It was recently reported to the credit bureau and my score dropped a whopping 55 points. It was higher before I graduated last year when I had no money and tons of CC debt! Is there anything I can do?
Would a letter of goodwill help?
I tried to set it up again after all that, and it didn't go through AGAIN...but I paid an extra bill just in case this time. Finally, this month, I called them about it (and paid the bill just in case). The person I was talking to said that once reported, it can't be taken off my credit history, but I know he is mistaken.
Message Edited by amandag on 06-03-2008 04:55 AM