I paid bank one on my master card. They credited it to my visa and reported me late on the master card to all the CRAs. They charged me a $35.00 late fee+Inst.on the $50.00 Pmt.and the $35.00 late charge. Next they increased my rate on both cards to 25%. During an AR the banks who issued my other 4 cards raised the rate on all 4 of them to 25%.due to the late Pmt.on my credit files. My insurer did an AR too and increased my premiums on my life,health,home owners and auto insurance. My rates went up on my two car loans, a couple of installment loans and my home loan also when these banks found the late pay on my records during their AR. YOU SEE FOLKS THIS IS WHAT THE FICO IS ALL ABOUT AND HOW IT WORKS !
I would send a copy of your story to your states congressional representitive. It is time to demand changes.
