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Fair Credit Billing Act

   Also found in: Wikipedia 0.03 sec.
Fair Credit Billing Act
Also called the FCBA. Legislation in the United States, passed in 1974, that allowed credit card customers to dispute (in writing sent by mail) a charge made on their cards. For example, if an unauthorized person makes a charge on a card or if the credit card company bills an incorrect amount, the FCBA allows the customer to ask the charge to be removed or changed. The card holder is usually not liable for erroneous or fraudulent charges. The FCBA was an amendment to the Truth in Lending Act.


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By using your credit card as your payment, you are automatically under the protection of the Fair Credit Billing Act.
If that is the case you may need to quote your rights under the Fair Credit Billing Act to get them to right the listings.
By reading the Fair Credit Reporting Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act and other laws enforced by the FTC, you can learn exactly how to negotiate with both the credit bureaus and original creditor to have a charge off
 
 
 
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