So I’ve been freaking out the last week after getting a letter in the mail from Capital One stating that my final payment of $73 on my car loan was 30 days past due. This was a rather big surprise to me since my contract states they are to auto-deducted payment from my checking account and had done so for the previous 59 months. To make matters worse, I need to keep my credit report in tip top shape since we’ve been approved for a home loan and wanted to make an offer on a house this month. Continue reading →