Just a side note on the whole paper-bills-get-lost-in-the-mail thing, but my boyfriend is working in collections, and he says a big portion of people he calls have no idea they are late because they sent their checks in the mail... and that was the last anyone ever saw of it.
It's hard enough to try and build credit when I can't get approved for a credit card, I don't need to unknowingly pay my bills late on top of it.
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