Credit Repair Help

There are many occasions when disputing a bill is necessary. Whenever there is an incorrect charge on your credit card statements or bills, you must dispute it. By disputing a bill, you may save your credit report and protect your credit score.

How do I dispute a bill?

If you find an error on your credit card statement or any bills, you need to dispute it. How do you dispute a bill? The first step in disputing a bill is to contact your credit card company to let them know what is going on and also contact the creditor directly. Remember, do not contact the credit bureaus or credit reporting agencies or even Collection Agencies.

Should I call the creditor to dispute a bill?

You can call the creditor to dispute a bill but you must follow up with a letter to formally dispute a bill. Calling the creditor alone would not help you since it is then your word against theirs and most creditors will conveniently not remember talking to you when there is a dispute. Multiple phone calls will not help either since the result would be the same. You need to write a disputing letter to the creditor for the Fair Credit Billing Act to cover you. The letter disputing a bill must be sent within 60 days of the date of the bill. Send your disputing a bill letter using certified mail and return receipt requested. The creditor, by law, has thirty days to respond to your disputing letter.

Withholding payment on disputed items

If you are disputing a bill such as a credit card bill, you can withhold payment on that disputed item if it is over $50 and the store is within 100 miles of your residence or is in your state. Note that you cannot just not pay your credit card bills. You can withhold payment on the disputed items but must pay the rest of the credit card bill. Before you decide to withhold on the payment of the disputed items, try to resolve the error with the creditor first and you must inform the credit card company of the dispute.

Can the credit card company report your account as delinquent if the disputes are going on?

No, the credit card company must resolve the dispute within ninety days or two credit card billing cycles.

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