Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

My home gas company never disclosed to me that they would be reporting my payments to the credit bureau.i just pulled my credit report and saw 2 late payments(its the only late payments i have in my 7 year history!).they send me bills but its usually erratic so i may have missed those payments.I have called them to remove the late payments,i also told them that i am willing to pay a late payment fee but they have refused. Do i have any legal options?.i am trying to buy a house but the late payment is hurting me

Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

Since they extend credit they have every right to report it to the credit bureaus. I also suspect somewhere at sometime they did disclose this information in real fine print.

Your anger is misplaced, you paid the bills late and you have no cause for a lawsuit.

Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

If that was me I would change utilities company and see if they like loosing you as a customer and be sure you advertise that fact to anyone who will listen.

Your offering to pay the late fee should have made things right again after all it was only 2 payments.

I think legally they have to accept the payment ask about it I%26#039;m sure that%26#039;s correct well in Oz it is.

I would have been furious if I found out the same thing

Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

if you have an open account with anyone then they can report it to the credit bureau and they i really nothing that you can do about it because you were late then they have a right to report it to

Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

I don%26#039;t think anyone has an obligation to tell you that your payments are being reported to a major credit bureau. That%26#039;s pretty much what credit bureaus do. Anywhere you have a payment account of any type, you should assume that someone somewhere is keeping track of its status.

Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

you are not going to like this, but the only thing that counts is your bill was paid late. twice. it is your responsibility to make payment on time regardless whether you recieve the statement or not. all the liars and decievers have made things the way they are and now we have to suffer. make sure you know when all your bills are due andmake sure your payments do not get lost in the mail by checking with your bank to see if your checks have cleared deposit. maybe just maybe with some kindness the company will remove the late payments for u, just remember they do not have to

Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

Unfortunately, yes they do report late payment to the CRA%26#039;s and there is nothing one can do about this. Here is the definition of who has authority to report negative payment history to a credit reporting agency.

(d) Definitions. For purposes of this section, the following definitions shall apply:

(1) The term 鈥減re-existing business relationship鈥?means a relationship between a person, or a person%26#039;s licensed agent, and a consumer, based on--

(A) a financial contract between a person and a consumer which is in force;

(B) the purchase, rental, or lease by the consumer of that person%26#039;s goods or services, or a financial transaction (including holding an active account or a policy in force or having another continuing relationship) between the consumer and that person during the 18-month period immediately preceding the date on which the consumer is sent a solicitation covered by this section

搂 624. Affiliate sharing [15 U.S.C. 搂 1681s-3]

Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

First, if you have a seven year history an that%26#039;s the only derogatory information, you are in good shape. It shouldn%26#039;t count that much against you in getting a mortgage. Warning: some mortgage lenders make a big deal out of little things, trying to convince you that you have bad credit so that they can push you into a special plan for people with %26quot;bad credit%26quot;, which is much more profitable for them. This happened to me. (I had a couple little things on my report.) I went to a different lender who didn%26#039;t care about a couple little things in a generally good history and was quoted a rate 3% below the first company on a 30-year fixed. My point is that there is no one set of loan rules. Every lender is different.

I don%26#039;t have this problem any more. I sent my utilities a form to direct charge my Visa card on the last allowable payment date.

Normally, credit bureaus regard %26quot;late%26quot; as meaning as least 30-days late. It isn%26#039;t worth suing over, but if you were only a few days late and it%26#039;s showing as 30, you can send a dispute letter to the bureau.

Can i sue my utilities company for reporting to the credit bureau without disclosing to me?

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