Cross Country Bank consistently included extra charges and late fees (even when I wasn't late).in 1998 I paid off this card in full and was reported to all credit agencies as being a "charge off" meaning I didn't even pay them at all.
Perhaps they were upset that I dropped their "services" as they were collecting ridiculous amounts from me on each billing cycle. I've gone to so-called credit law firms that "specialize" in this kind of thing and have recieved no help whatsoever. I'm looking forward to getting help now.
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