Wednesday, December 19, 2007

Macy's charge off credit card did not change last name.

In 2004 I returned to my maiden name. All credit card companies promptly changed my last name per my request except one: Macy’s. A year and a half ago I had moved and informed Macy’s, but they still did not change my address (and subsequently my last name). I apparently had a small balance (less than $100) on the account which I had thought was paid off, but because the last name was not current the post office did not forward any bills. 6 months later I received a call from Macy’s wanting a payment, which had now doubled due to late fees. I immediately paid over the phone, but for some reason it did not go thru, nor did Macy’s return the call to inform me so my account continued to be delinquent. I checked the account online out of curiosity a month or so later and saw the balance and promptly mailed a payment this time by check. I also wrote to Macy’s informing them of their incorrect name and address and that being to reason as to the delinquent payment, and asked to close the account. This has hurt my credit score and I was wondering if there was any way to rectify this problem. Will adding a comment help?
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all of the reasons do not fly
last name and did not forward because of last name change and move


you already paid
when you pay before negotiating the account stays on your report
get new good credit and forget abot past old bad credit

you did what i would do and that is pay and go on with your life

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