My credit history is excellent...was able to buy a car last summer at 1.9% financing and didn't need a co-signer.
Anyway, Netflix has charged my account monthly until I finally cancelled my subscription a few months ago. I let my parents use this card, so the bill goes to them. Well, my mother called me last night saying that the bill has been sent to collections. I called the collections company, and they said that there was a Netflix charge back in January. So with all the late fees and interest, the bill went up to about $60 from the $12 Netflix charge.
They said the only way to resolve this is to have Netflix clear the charges, and to write the credit services notifying them about the dispute.
How damaging is this to my credit?
What if Netflix refuses to do a chargeback (they conveniently left out a phone number so I must communicate via e-mail)?
Sucks because I worked so hard to re-build my credit after college messed me up.
Anyway, Netflix has charged my account monthly until I finally cancelled my subscription a few months ago. I let my parents use this card, so the bill goes to them. Well, my mother called me last night saying that the bill has been sent to collections. I called the collections company, and they said that there was a Netflix charge back in January. So with all the late fees and interest, the bill went up to about $60 from the $12 Netflix charge.
They said the only way to resolve this is to have Netflix clear the charges, and to write the credit services notifying them about the dispute.
How damaging is this to my credit?
What if Netflix refuses to do a chargeback (they conveniently left out a phone number so I must communicate via e-mail)?
Sucks because I worked so hard to re-build my credit after college messed me up.
