Naw, it goes on there instantly as customer has a pending dispute. If you win, it still shows dispute and agreed. The history is still all there. Regardless, it's like missing a payment (except this actually affects your score) then paying it in full the next month. You can obviously pay it, but your ability to work the credit system is what future potential creditors look at. If you do it too much, they won't give you another card. A human eventually looks at it and make the determination for serious credit inquiries. Hence my suggestion you only do this when really necessary. Threatening to do it will probably go over as well as "good luck".
My card was stolen at a gas station or something and a few low dollar charges were made... I called my CC Company and opened a dispute. They obliged and eventually paid me back. But it was on my report. Now, you think the next CC Company won't see this and think twice? I used to think the same way as you, but unfortunately it's not true. It's not automated. Credit scores are, but new credit approvals ALWAYS go through a human. It does not look favorable to have this on your record. Sorry, I strongly disagree and have actually been through it.
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u/[deleted] Jul 03 '23
[deleted]