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A Better Way To Watch Your Credit Reporting
Are you a victim of any credit card fraud or identity theft? Then you definitely need an enhanced defense from those menaces. You can get superior security from http://www.gotocreditreport.com . Actually, those financial offenses take place due...
Credit Card Debt: Repair After Bankruptcy
Ah, credit card debt. You've asked yourself the question many
times, "Will I ever get credit again?" The answer, although
seemingly complex, is quite simple: Yes. You can have another
chance at re-establishing your credit. Filing bankruptcy is...
Repair Your Credit...The Right Way!
Copyright 2005 MHG Consulting
How to Repair a Bad Credit Rating…The Right Way!
If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.
Once you have a bad...
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Visa Or Mastercard: Which Credit Card Should You Apply For?
Should you get Visa or MasterCard? Is one of them better than the other? Will one of them help your credit rating more than the other? Many people ask themselves these types of questions when they think about getting their first credit card or...
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Advantages of Using Credit Cards Instead of Cash
There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act in your behalf to recover funds from a disputed transaction. Under the Fair Credit Billing Act the credit card company has to investigate the dispute and either take the charge off your bill or explain why it is correct. Even better, you don't have to pay the portion of the credit-card bill or related interest charges while the dispute is being investigated.
The types of blling disputes/errors covered by the Fair Credit Billing Act are:
Charges that list the wrong date or amount.
Charges for goods and services you didn't accept or weren't delivered as agreed.
Math errors.
Failure to post payments and other credits, such as returns.
Unauthorized charges.
Before you dispute any of issues you must first contact the retailer and try to settle the dispute. If they ignore you,
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Jokes To Tell Your Parents For Rosh Hashana
When Sam Hoffman and Eric Spiegelman's video of Hoffman's 60-something mother telling an off-color joke on YouTube went viral, they knew they had something special. The success of their subsequent website, OldJewsTellingJokes.com, and their upcoming book have proved them right.
or the dispute is not settled then contact the credit card company. Usually you need to have your dispute in writing to the credit card company. The address for billing disputes is different then the address to send payments. The billing dispute address can be found on the back of your monthly statement. If it cannot be found, call the credit card company's customer service for the billing dispute address. You usually only have a certain number of days to dispute the billing error so make sure you mail in your dispute before the deadline.
If contacting the credit card company doesn't resolve the dispute, you may contact the Office of the Comptroller of the Currency's Customer Assistance Group. Their website is www.occ.treas.gov/customer.htm and phone number is 800-613-6743.
About the Author
Christine Breen is the owner of www.1Stop-Creditcards.com a site helping consumers find a better credit card.
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