I am so ANGRY! I need to rant. Please bear with me...

I have a home equity line of credit. At times it's had a balance as high as $20,000 dollars. I've always paid it right down. Well, lately it's had a balance of $5.41.

I saw that balance and said to myself, "It's not big deal. I'll pay it the next time I go into the bank", because you can't pay it off online. Well, I haven't been into the bank in a few weeks.

Yesterday I get a nasty, threatening letter from the loan department because it's over 30 days overdue. So I call the loan department and find out that they REPORTED IT TO THE CREDIT REPORTING AGENCIES. For 5 lousy dollars they're going to f**k up my perfect credit for 7 years!!

I tried to talk to them about it, but the person I spoke to was a jerk to me. So, of course, I escalated, too. They refused to do anything about it.

Don't they have to write you and let you know that they're going to report you? The guy on the phone acted like I should know that. I wouldn't have even known if I hadn't called them about their obnoxious letter. I am just so angry.

This morning I'm going into the local branch to pay off the full $5.41 and to talk to the manager. It probably won't help, but it's worth a try...