No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
One of the problems with the dispute process is that the results are not based on a legal process, but only a referral and an internal investigation that is only required to be "reasonable."
It is not a legal process that first acquires, or permits the attempt to acquire, all relevant evidence, and then makes a determination based on the totality of facts.
Rather, it is intended to be a quick administrative process that involves self-investigataion and verification that is not a legal facfinding process.
It also permits reinsertion of previously deleted information if the party submits a certification of accuracy, which permits them to postpone verifcation and do so at any later time.
Finally,, it has no appeal process.
In cases where you have an issue, such as the need to determine obligation for a debt or the legitimacy of reporting of busniness related defaults as personal credit reporitng, it might be necessary to bring civil action and obtain a full judicial process that, once concluded, is thorough and legally binding.