I am f**cked, someone help please !!

dad

You can go on line and get your credit report, I believe you have to pay a small fee for the credit score.
What are you paying "credit protection" on?

MeetJoeAsian

Probably one of those things where they send you a check of like a few bucks and it's made out to you to cash, and he went and cashed it and the fine print says "by cashing this check, you agree to this term...", or they might have called him to start a 3 month "free trial" of their credit protection that "pays your bill for you if you get sick or can't work..yada yada yada" and they said "..after 3 months, if you do not want to continue, simply call us and cancel...", one of the biggest scams I think...everyone always forgets to cancel, and so they juice the bux on whoever can fall for their scheme....

on a more serious note, you should call the credit card company, explain the situation, and ask them if it was reported to the credit bureau...when reporting to the credit bureau, the creditor can only report if you are late for more than 30 days after your due date...and it's generally reported as "late for 30/60/90+ days"...based on what you said, "3 months passed by", I'm sure you are approaching the 60th day of your past due date, which means you would be considered "1 time over 60", if this was your first offense....

in any case, sorry, I'm kinda sleepy, and ignore the mambo jambo up there, I'm sure you didn't understand what I was explaining (I read credit bureau everyday at work, so the lingo and explanation), but you should call your creditor (your credit card company), then ask them what it was, and when it was authorized, and tell them you never authorized such a transaction, and such transaction was done without your permission...chances are they are not going to investigate, and credit you the amount to your account...and technically, if they credit your account for the amount, that means they side with you and agree you were not in the wrong..therefore, if anything happens to where they actually DID reported to the credit bureau, you can call and complain later, or you can complain to the credit bureau (and if they take it off and the creditor report it again...yada yada...here I go again, I'll stop), they may be able to take it off for you...it's best if you request that your creditor (the credit card company) gets that off for you...take the first step first by calling them and explain to them NICELY that you did not authorize such protection and they should be able to credit you and cancel the protection from ever appearing again...you may not want to pay it yet unless you've exhausted your options with them...cuz by paying for it, you actually kinda acknowledge that you are at fault....

(sorry if my post didn't make sense...I'm sleepy...goodnite)...

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