Credit Cards

When purchasing goods and services via the Internet, you will often be required to provide a credit card number even if you are not planning to use your credit card as payment. Scams abound on the...

As convenient as credit cards can be, unfortunately, sometimes you can run into trouble. Perhaps you received a charge that was much higher than you thought it would be, or got charged a signup...

If you have been unfairly charged by a merchant for a credit card purchase, you have recourse under the law. The Fair Credit Billing Act is a federal statute which states that consumers have the...

If you use credit cards, it is always possible that the credit card company might make a mistake. In the event that the company has made an error, or if an unauthorized person has used your card,...

Experian is one of the three major credit bureaus. Your credit can be harmed if the bureau is reporting erroneous negative information about your finances. You can find out what is on your...

You know the feeling. You open your monthly credit card statement to find the balance larger than you anticipated due to an unfair credit card charge. Whether the charge stems from the credit card...

Credit cards offer a convenient way to make online purchases or to buy items in stores without carrying a lot of cash. They give you the ability to buy expensive items and spread out the payments...

The Fair Credit Billing Act (FCBA) is a U.S. law that helps consumers defend against credit-card billing errors and unauthorized charges. The act gives consumers the power to report an error,...

If you need to repair your credit rating, take some simple steps to have your credit improved in no time. Your credit will slowly repair itself over a long period of time, but if you need it...

Credit cards offer consumers protection from money fraud and other financial dangers. Payments made by credit card cannot automatically be stopped because of the speed of electronic transactions,...

If you happen to notice a strange charge on your credit card statement and you do not dispute it in time, you may end up obligated to pay for the debt. It is important to notify your credit card...

A judgment is a legal court order, so it is a matter of public record. Judgments on your credit report can stay there for up to 10 years. They can also hurt your FICO score. The best way to have...

There are consumer protection laws for credit card users who dispute certain payments on their monthly statements. In fact, some credit card issuers offer enhanced protection for their customers...

When you are planning to put in an application for a credit card, you should first take some steps to support smooth approval of your credit card application. Order copies of your credit reports...

You must make an initial effort to resolve your dispute directly with a merchant before you file a credit card dispute. Let the merchant know about the problem, and provide details to back up your...

Credit cards offer a convenient and generally safe way to pay for goods and services. They have another benefit of which you might not be aware. If a merchant doesn't give you what you pay for,...

Have you been wondering how to dispute a charge on your credit card bill? As soon as you notice a charge that you do not recognize on your bill, you need to work quickly to have it removed.

When you pay with a credit card, you have some protection against problems with your purchase. If the item is defective and the merchant will not fix or replace it, or if you never received the...

You may discover that your credit report contains delinquency information that is outdated or incorrect. If this is the case, you have a legal right to have those delinquencies removed. Once the...

If you have noticed a charge on your Visa card that doesn't look legitimate or you're having a problem with a store or vendor that sold you a defective product, you may need to stop the charge....

When you have collections showing up on your credit report, it will impact your ability to get loans, insurance and even employment. Having an account in collection is negative information. Your...

This is a Small article on Disputing credit issues, and sometimes resolving issues before they go to collections.

If you're like most people, you've probably discovered an error on your credit report. You wonder what in the world you need to do to get this inaccurate information off your rating. Just as with...

Disputing credit card debt, whether or not you actually incurred it, can be a long process. However, it is possible to successfully have credit card debt removed without filing bankruptcy or...

You will know if you need to write a credit dispute letter after you have a look at your credit report. The report will tell you if there are items that you do not believe are yours. The best way...

Chances are that if you have used credit cards enough, a merchant would have billed you incorrectly for something you purchased or that you have an unknown charge on your card. Here are the steps...

A Credit Report usually includes information regarding a consumer’s whereabouts, the mode of payment of his/her bills and some personal information about whether they have ever been sued or ever...

Holidays are when people use credit cards more often, whether it be in a store or online. This is when most identity theft takes place. The biggest problem with identity theft is the person with...

Credit cards are a major modern-day convenience--many people charge everything they buy, from a pack of gum to a houseful of new furniture. However, credit cards are more than just an easy way to...

When you place goods or services on your credit card, you have certain rights. One of those is charge back or the ability to dispute a good or service that you did not receive, is damaged or is...

Credit card billing errors can occur at any time. Check your monthly credit card statement to locate errors. There are federal and state laws that provide guidelines for resolving credit card...

An unrecognized or incorrect charge on your credit card statement can be alarming, but it's often easy to put out the flames.

As a consumer, you have rights granted to you under the Fair Credit Reporting Act to protect yourself and your credit. Here's how to exercise those rights.