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Katie's Credit Glossary
| PREPARING KIDS FOR CREDIT, STUDENT ISSUES
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Kids, Money, and Credit
College and Credit Cards, Student Credit Cards
How to Pay for College: Financial Aid information
The Truth About Debt Consolidation Programs
Credit & Divorce
Child Support & Deadbeat Dads
Choosing the Right Credit Card for You
Personal Bankruptcy Explained
If You Have Been Treated Unfairly By a Creditor
Debt Consolidation Scams
Debt Elimination Scams
Debt Settlement Scams
Christian Credit Scams
Predatory Lenders
Identity Theft
Tips for 1st Time Home Buyers
What to do if You've been Denied
Credit & Home Buying
Negotiating a Home
| NEGOTIATING AND REPAIRING CREDIT
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Negotiating Debt With Your Creditors
Your Rights Regarding Debt Collection
Free Credit Repair: How to Clean Up Your Own Credit
Easy Steps to Building or Re-establishing Good Credit
Disputing Mistakes on Credit Card Statements
| CREDIT REPORT INFORMATION, CREDIT SCORE INFORMATION
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How to Get Your Credit Reports
How Long Do Entries Stay on My Credit Report?
How to Read Credit Reports
Credit Score, FICO Score Explained
Innovis: The Fourth Credit Bureau
Federal Law Concerning Credit
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DISCLAIMER
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DISPUTING LATE FEES
Personalize the form letter below by entering your specifics in the CAPITALIZED areas.
DATE
CUSTOMER SERVICE DEPARTMENT
CREDIT CARD COMPANY NAME
COMPANY'S ADDRESS
CITY, STATE AND ZIP CODE
Re: Late charge on CARD NAME ACCOUNT NUMBER
Dear Customer Service:
I was charged a late fee of DOLLAR AMOUNT on my last bill for the above-referenced account. I believe this late fee is in error.
I received my last bill on DATE. It was postmarked DATE. The bill had a due date of the NUMBER (E.G., 15TH) day of MONTH.
I mailed my payment on DATE, which was in plenty of time for your company to receive and process my payment by your due date of REPEAT DATE SHOWN ON BILL.
IF YOU HAVE A COPY OF YOUR CANCELED CHECK CONFIRMING THE DATE YOU WROTE IT, NOTE THAT HERE AND INCLUDE A COPY OF YOUR TIMELY WRITTEN AND MAILED CHECK WITH THIS LETTER. IF YOU DO NOT HAVE A COPY BUT ARE EXPECTING IT IN YOUR NEXT BANK STATEMENT, LET THE CARD COMPANY KNOW THAT YOU WILL PROVIDE ADDITIONAL DOCUMENTATION OF YOUR BILL PAYMENT TIMELINE AS SOON AS YOU RECEIVED IT.
As you can see from the timetable above, I exercised reasonable and responsible judgment in paying my bill. Therefore, I am writing to ask that the fee be rescinded and the late charges removed from my bill.
If you have any questions or want to discuss this further, please contact me by phone at TELEPHONE NUMBER or write me at the address below.
Thank you for your prompt attention to this matter.
Sincerely,
YOUR SIGNATURE
YOUR TYPED NAME
ADDRESS
CITY, STATE AND ZIP CODE
Enclosure: copy of check payment
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