Posted by JohnX2 on March 27, 2002, at 7:30:09
In reply to Actually, we're all victims in a sense. » JohnX2, posted by beardedlady on March 27, 2002, at 7:00:34
similar idea:look in your check book at the next blank check num Z.
Call the credit card company:
"I sent the payment for N dollars on dd/dd/dd, did you not receive it?"
bank:
"No we did not receive it"You (in a panic, do some good acting):
"Oh thats odd! maybe the check was lost or stolen. I should put a stop payment on the check immediately. Can you make a note on your system that check number Y has been sent with a stop payment in case it was inadverntantly stolen or lost in the mail and you do receive it. Meanwhile, I will promptly resend another payment check number Z today.".9/10 out of ten the bank will let this slide and clear your credit (don't even need to call the credit beureu). I guess in our cases they didn't try to retrack the original phantom payments.
Also, the banker from the credit card issuer told me that a proof of a stop payment on the check from your bank was good faith enough that your story held water. So you may need to back date and write the phantom check, go down to your bank and put a stop payment on the back dated phantom check and send it as proof.
John
> Your bad credit makes my interest rates and monthly default rates and late fees higher. So by all means, use the tip! We are all paying for it anyway!
>
> So do tell: what's the tip?
>
> beardy : )>
>
> P.S. I forgot to pay my mortgage once. Just forgot! So I wrote to the mortgage company and told them my check # ___, written on _____ and mailed from out of town on vacation, must've gotten lost in the mail. I repaid, but the company said they couldn't retract the mark. So I wrote letters to all three credit reporting companies (Equifax, Transunion, and one other), and they wiped it clean!
poster:JohnX2
thread:20980
URL: http://www.dr-bob.org/babble/social/20020325/msgs/21014.html