a silly question but...

[Anonymous]

hi guys, i just made an orchard payment on the 15th via check by phone.  I thought i was a day early but it was in fact due on the 14th.  Will this show as a late payment on my CR?  Or does it have to be 30 days late to ding me?.....thanks for the help

[smallfry]

Call and beg for forgiveness right away. It is late.

[Anonymous]

I CAN'T BELIEVE I DID THIS!!!!!!!!!!!!!!!!!

[Anonymous]

yes it is late but it won;t be reported to credit bureau. they will probably charge you a fee.

[Anonymous]

well, .I just got off the phone with orchard.  not only will they not report it to CRA's they even offered to

credit the $30.00 late fee because they "appreciate my trying so hard to keep current"...................................THANK YOU GOD!!!!!!.........OH AND THANKS TO YOU GUYS AS WELL.  I HAVE ONLY BEEN USING THIS FORUM FOR A SHORT TIME BUT IT HAS REALLY HELPED AND I NO LONGER FEEL LIKE I AM IN THIS ALONE.

[Anonymous]

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juliemgates wrote:

well, .I just got off the phone with orchard.  not only will they not report it to CRA's they even offered to

credit the $30.00 late fee because they "appreciate my trying so hard to keep current"...................................THANK YOU GOD!!!!!!.........OH AND THANKS TO YOU GUYS AS WELL.  I HAVE ONLY BEEN USING THIS FORUM FOR A SHORT TIME BUT IT HAS REALLY HELPED AND I NO LONGER FEEL LIKE I AM IN THIS ALONE.

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Congrats on your good fortune. I barely escaped the same late fee at Orchard once by the skin of my teeth. Had to pay a rush payment fee, but better than late fee. Since then I went to spread sheet to keep closer track.

[Anonymous]

good idea! thanks

[Anonymous]

Sleigh17,

Do you have a blank copy of your spreadsheet that you could send me?  I am trying to stay on top as well.

Eve

[Anonymous]

Do you access your account online? You can pay there for free from your checking account.

[Anonymous]

I do actually and some of the accounts charge me $10 to make an online payment.