Can creditors deny you credit just because you've disputed a bill in the past?

[-Wade-]

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@agforfree5 wrote:

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@-Wade- wrote:

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@agforfree5 wrote:

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@-Wade- wrote:

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@agforfree5 wrote:

Hi

So I had a legitimate incorrect charge that was disputed and credited back to me on my AMEX charge card. I had never thought of this before, but does disputing charges reduce my "credit worthiness" in the eyes of AMEX or other CC companies ?

I have been a perfect on all my credit cards since re-building and now I am worried that disputes would adversely affect when applying for new cards or CLIs.

I apologize if this has been answered in the past, but I have been researching for a while on here and can't seem to get an answer.

Thanks in advance.

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It will not have any affect

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Thanks for the quick reply, but why do you say that ?

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Let me ask you this, Was this a dispute with AMEX ???

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Yes, an AMEX dispute

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anyone can make a mistake, but they will not hold a dispute against you. You have no worries for doing a dispute

[j_casteel]

I agree...i misread at first (apologies)

I agree with Wade you should have no issues with AMEX due to disputing a bill.

[agforfree5]

Thank you both!

[TheFate]

Creditors can deny you credit for just about any thing they choose to.

Will they? Depends on the lender

[-Wade-]

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@TheFate wrote:

Creditors can deny you credit for just about any thing they choose to.

Will they? Depends on the lender

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If it's an internal dispute the other lenders will never see it   If you have a clean file (so so DTI ) and a pretty good score they will not deny you in most cases

[TheFate]

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@-Wade- wrote:

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@TheFate wrote:

Creditors can deny you credit for just about any thing they choose to.

Will they? Depends on the lender

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If it's an internal dispute the other lenders will never see it   If you have a clean file (so so DTI ) and a pretty good score they will not deny you in most cases

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Thats a good point to mention

[irrational]

And, as far as Amex denying you because you've disputed charges on your other Amex, I highly doubt that. Unless your disputing all types of stuff, it's a feature Amex is happy to over you. I've disputed silly stuff like $5 postage I didn't feel USPS honored, up to a $100 wallet I felt I'd been scammed on. Amex has your back, and won't hold those against you.

[sexy_kitten7]

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@-Wade- wrote:

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@TheFate wrote:

Creditors can deny you credit for just about any thing they choose to.

Will they? Depends on the lender

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If it's an internal dispute the other lenders will never see it   If you have a clean file (so so DTI ) and a pretty good score they will not deny you in most cases

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That's actually not true, oddly enough. Certain banks and CRAs report merchant disputes in addition to balance and payment info.

For example, I have Capital One "DRG" remarks for May and August 2013 on my TU CR.

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Report-Remarks-quot-DRG-quot/td-p/23604...