I disputed a charge on my credit card several months ago, and it showed up on my credit card. I was wondering how does that affect my score?
I sent about $120 to a guy in England for some paintings, via paypal, and he contacted me once, but then not for a long time after that, and the time I could dispute it with paypal passed by.
I contacted Citibank, the card I charged it on, saying I never received the goods. They put me through a huge ordeal just to get the charges reversed. When the charges were reversed, the guy finally contacted me, and sent me the paintings. I called Citibank saying I got the goods, and to please charge me, so they did.
I was nowhere near my limit when I disputed the charge or afterward. I still have the card too.
I received a notice a couple of months later, on my credit monitoring service that the dispute showed up on my credit report, but it didn’t say if it did anything to the score or not.
I’m somewhat worried, because I might need to dispute another charge (it was a duplicate charge) if the vendor doesn’t call and fix that situation.
I sent about $120 to a guy in England for some paintings, via paypal, and he contacted me once, but then not for a long time after that, and the time I could dispute it with paypal passed by.
I contacted Citibank, the card I charged it on, saying I never received the goods. They put me through a huge ordeal just to get the charges reversed. When the charges were reversed, the guy finally contacted me, and sent me the paintings. I called Citibank saying I got the goods, and to please charge me, so they did.
I was nowhere near my limit when I disputed the charge or afterward. I still have the card too.
I received a notice a couple of months later, on my credit monitoring service that the dispute showed up on my credit report, but it didn’t say if it did anything to the score or not.
I’m somewhat worried, because I might need to dispute another charge (it was a duplicate charge) if the vendor doesn’t call and fix that situation.
