E bill, E-statements and your documentaion future

[Anonymous]

I was reading through a few threads here and it occured to me that most of us are doing e-bill and e-statements.   Sometimes you have to log into the website to actually print or download the bill if you so care to.  I just want to bring to everyone attention that keeping a pdf copy is vital because if in the future you have a fall out with you beloved CCC you have no documnetation to support your concerns.  

 Also if they close your account  against your will you will not be able to acess those online statements !.   Remember also you usually can only acess 2 years or less of electronic statements so be wise and protect yourself, once monthly save to pdf your most recent statement for your own files .   Just thought I would share my paranoia.

Wise!

[laz98]

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@Anonymous wrote:

I was reading through a few threads here and it occured to me that most of us are doing e-bill and e-statements.   Sometimes you have to log into the website to actually print or download the bill if you so care to.  I just want to bring to everyone attention that keeping a pdf copy is vital because if in the future you have a fall out with you beloved CCC you have no documnetation to support your concerns.  

 Also if they close your account  against your will you will not be able to acess those online statements !.   Remember also you usually can only acess 2 years or less of electronic statements so be wise and protect yourself, once monthly save to pdf your most recent statement for your own files .   Just thought I would share my paranoia.

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I don't print mine out, or save them, but I stay on top of my accounts, so I would print it out or save it if I saw a problem come up.

[Anonymous]

I keep on top of my accounts (I'm one of those a--- personalities), and I always save my e-statements.  It's easy, they don't take much space, and by the time you have a problem - it may be difficult go back and access.  Just like I always kept my paper statements, I always save my e-statements.

BTW - it took me awhile to be willing to go with e-statements but after I realized that I could save them so easily, I jumped right in.  Only one bill (Dish) still comes in paper form - I have problems with their site - their billing - everything. 

[laz98]

i like getting e-statements.  no extra paper clutter around my house!  (i have enough of that already)

[MarineVietVet]

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@Anonymous wrote:

I keep on top of my accounts (I'm one of those a--- personalities), and I always save my e-statements.  It's easy, they don't take much space, and by the time you have a problem - it may be difficult go back and access.  Just like I always kept my paper statements, I always save my e-statements.

BTW - it took me awhile to be willing to go with e-statements but after I realized that I could save them so easily, I jumped right in.  Only one bill (Dish) still comes in paper form - I have problems with their site - their billing - everything. 

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Just don't save them to your hard drive exclusively. I've had 3 hard drives crash over the years and lost everything I hadn't backed up.

But I bet you knew that huh???

[laz98]

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@MarineVietVet wrote:

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@Anonymous wrote:

I keep on top of my accounts (I'm one of those a--- personalities), and I always save my e-statements.  It's easy, they don't take much space, and by the time you have a problem - it may be difficult go back and access.  Just like I always kept my paper statements, I always save my e-statements.

BTW - it took me awhile to be willing to go with e-statements but after I realized that I could save them so easily, I jumped right in.  Only one bill (Dish) still comes in paper form - I have problems with their site - their billing - everything. 

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Just don't save them to your hard drive exclusively. I've had 3 hard drives crash over the years and lost everything I hadn't backed up.

But I bet you knew that huh???

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OMG....my external hard drive just crashed about 6 weeks ago.............do you know how hard it is to move 90gb of music off of your ipod!!!

[fused]

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Credit-Wise wrote:

I was reading through a few threads here and it occured to me that most of us are doing e-bill and e-statements.   Sometimes you have to log into the website to actually print or download the bill if you so care to.  I just want to bring to everyone attention that keeping a pdf copy is vital because if in the future you have a fall out with you beloved CCC you have no documnetation to support your concerns.  

 Also if they close your account  against your will you will not be able to acess those online statements !.   Remember also you usually can only acess 2 years or less of electronic statements so be wise and protect yourself, once monthly save to pdf your most recent statement for your own files .   Just thought I would share my paranoia.

Wise!

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Excellent post!! BTW, you're not paranoid, just very bright.

[koz08]

I think your thoughts are very wise too.  I save mine to PDF or hard copies.  If I have paper, I keep them for two years.  If PDF, well, indefinitely.  Most companies have at most, two years available, which is not enough if you have problems.  One of my CC's actually only has 12 months up!  What if I have a dispute about that IPOD I just bought last year and I can not remember when it was purchased? 

Definitely good idea to save.  Oh, and I get paper statements on some cards on purpose as I know it takes more work to send it out.  One of those victories I savor for myself from when I was a college student and got screweed by credit.   

[MattH]

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@Anonymous wrote:

I was reading through a few threads here and it occured to me that most of us are doing e-bill and e-statements.   Sometimes you have to log into the website to actually print or download the bill if you so care to.  I just want to bring to everyone attention that keeping a pdf copy is vital because if in the future you have a fall out with you beloved CCC you have no documnetation to support your concerns.  

 Also if they close your account  against your will you will not be able to acess those online statements !.   Remember also you usually can only acess 2 years or less of electronic statements so be wise and protect yourself, once monthly save to pdf your most recent statement for your own files .   Just thought I would share my paranoia.

Wise!

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I do most of my banking electronically, and save all my statements as PDF files.  However, I still get mortgage statements in hardcopy form and keep those forever, because in the unlikely event of an accounting error I want to have physical evidence.  I work with computers professionally, and digital data are just too darned easily modified to constitute evidence as strong as paper which can if needed be subjected to forensic examination.  An expert can do things like chemical tests to establish the age of a paper document; try doing that with bits on a hard drive.

I have read of cases when records got bungled when a mortgage got sold to a new servicer, and hardcopy statements saved by the homeowner turned out to be the only way to force them to correct their mistakes.