Dear To Her Credit,
I had new windows and doors installed earlier this year. The job was less than satisfactory; in fact, they damaged my kitchen counter plus the siding on my house.

I'm afraid the installation company will turn my bill over to a collection company, thereby negatively impacting my excellent credit. Must I pay the bill to protect my credit rating?

Krista

 

Dear Krista,
The threat of being sent to collections and having a negative mark cast on their credit report has sent many disgruntled customers running for their checkbooks, regardless of how unsatisfactory the goods or services they received. In your case, where it sounds like The Three Stooges have been muddling around on your house, I hope you don't give in so easily.

Read my answer at CreditCards.com.