but they didn't even give me notice before they sent a negative report to the credit agencies. What should I do now? BTW, I read the FAQ and many other threads, but it didn't appear that anything I read would directly apply to my situation, So I am asking what the group's advice is. Here's what happened: I had a Sears (Citi cards) credit card account, I bought one thing on the card ($165.) and then shortly thereafter called Sears and canceled the card. I thought that I paid off the card when I canceled it, however it turns out I didn't. Two months later I got a notice in the mail saying that I owed this money. I thought that they were mistaken, and meant to call them and get it straightened out...then a few days later I get a call from what I believe was an in-house collection agency. They said that I owe $230 now because of late fees and finance charges. I quickly looked at my bank statement and realized that they were right - I hadn't paid them yet. So I gave them the information and paid it over the phone. The problem is that I get a letter today that they have sent a negative report to the credit agencies. What should I do to get this removed? I have paid all my bills on time for years, and I overlook this one bill, and I have a negative report on my credit. That makes me mad, to say the least. I would really appreciate any help you can give. Thanks, Justin
