Who Won the Credit Dispute?
At any point in your credit life, you can have a dispute with the creditor. Here is story on credit dispute. Look and see how the credit dispute was won. Credit disputes need persistence and patience.

You get your credit card statement and it has charge(s) that are not yours. You call the credit card company and dispute the charge(s). They should cancel the card, reissue you another card and mark the charge(s) as disputed, and send you an affidavit.

This is the first step in the credit dispute story.

You have received your affidavit and your new card. You have sent the affidavit back to the credit card company and now you wait for there reply and the next statement.

This is the second step in the credit dispute story.

You receive the statement, it’s still wrong. You call the credit card company. They confirm they did receive your affidavit and your complaint has been assigned to an investigator, but they will credit the disputed charge(s) again. You wait for the next statement.

This is step three in the credit dispute story.

The next statement arrives and it’s still wrong, they have taken off the disputed charge(s) at the top of the statement, but you are being charged interest on the disputed charge(s). You call again, you speak with the customer service representative and they don’t see what you are talking about, all the charge(s) were credited back to you account. You ask for a supervisor and you get disconnected or left on hold.

This is step four in the credit dispute story.

You wait for the next statement and it’s still wrong, at this point you just want to wring someone’s neck. You still don’t feel like you are being heard. Do you give up? No, you call in the ultimate dispute decider.

This is step five in the credit dispute story.

You find out the bank, that issued the credit card is a member of the National Association. You contact the comptroller’s office and you ask them to send you a dispute form. The form will ask you what have you done to get the dispute resolved and will ask you to send all of your evidence of resolution.

This is step six in the credit dispute story.

You get the form from the comptroller’s office, fill it out and send it back with the proof of how you have tried to resolve this issue with the credit card company. Now you wait, dispute resolution is on the way!

This is step seven in the credit dispute story.

The telephone is ringing; it’s the credit card company! We will look into this matter right away and any charge(s) or interest charged to you in error will be credited immediately. The comptroller’s office will also follow up to make sure the credit card company is looking into your dispute.

This is step eight in the credit dispute story.

You wait again for the next statement. The representative calls to say the dispute has been cleared up and you will receive a credit for all interest charged in error. The next statement arrives and it’s correct the dispute is finally over!

Credit disputes can be won it takes time and persistence. Don’t be afraid to go up the ladder with your dispute. When you are not being heard find out who regulates that industry. Contact them and let them know you need help in getting your dispute resolved.


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