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1 0 4 6 2 2 0 1 8 8 1 4 6 1 0 4 6 2 2 = 58 Using the total (58) you'd take the next highest number that is evenly divisible by ten and subtract the total from this to produce the proper checksum digit (60 - 58 = 2 in this case).
If the total was already an even multiple of ten, say 70, the checksum would simply be zero.
To save a couple of steps in the code, the checksum digit is included in the calculation so that the sum should be an integer multiple of ten.
Has a debt collector ever contacted you about a debt that you weren’t sure was yours?
You might want to just pay the collection and get it over with, particularly if you know the debt is yours and you need to pay it off to have a loan application approved. Force the debt collector to prove the debt is real.
However, outside of that, there are some very good reasons to exercise your right to request validation of the debt. Debt collectors have been known to send bills or make calls for bogus debts, so don't assume that a bill from a debt collector automatically means you owe. You may vaguely remember owing the creditor named on the collection notice or you may recall paying that debt at some point. Sometimes debt collectors resurrect old debts in an attempt to make some money.
You have the right to ask them to send proof of that debt.
Would you really pay money to someone who says you owe them, but can't prove you owe? Make sure the collector is authorized to collect the debt.
Here's how the algorithm for the Luhn formula works.