No. of Recommendations: 9
After looking at a LOT of blog posts about problems with Target Redcard billing, this is what I did:
(background: I made a charge on a Target CC, they never billed me, I forgot about it, and after I got a notice from a CA, I saw that they'd put a charge-off on my credit report).

I told the CA in writing I needed documentation.

I looked up the head of their credit department and sent a letter by registered mail. The letter had the facts as best I knew them, was friendly in tone, basically a "I know we can work this out" letter. Lots of "as soon as I see what I owe, I'll be happy to pay it." And some shmoozy stuff about how much I like Target, etc.

A few days ago, I got a phone call from Target Corp., collections division. They'd gotten my letter and wanted to work this out. I explained again what I felt happened, and the lady said she *thought* this was probably an issue with the post office erroneously returning my bill. This didn't make a ton of sense but she indicated this would fly with the credit bureau as to why I didn't pay. She went back to her supervisor with my responses.

She called later and offered to remove the charge-off on the credit report, and show that I was in good standing, if I let them do an electronic payment. They wanted the amount I charged, not the total shown on the account that included a lot of late fees.

I gave her the info she needed (I had looked up the number she called from earlier, and it was in the right area for Target Corp.). I did switch my overdraft protection to an account that didn't have much money in it in case this wasn't legit.

By 8-14, my credit report should be clear. She did say that after looking at my report, she could see why I was so...determined to deal with this.

I hope this isn't premature...but I think things are on the up-and-up and I've taken some protective steps.

This is the 3rd time I've challenged a billing issue that didn't seem to be accurate...THIS YEAR. It's starting to feel like "making stuff up" is a codified business practice.

And what's scary is that if I was as busy as I was a few years ago, I would have just paid whatever I was told I owed.

cm,ret.
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