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I wouldn't...
Besides which they can take up to 45 days to respond to a dispute which is going to be longer than it would be until your balance would update anyway.
@Anonymous wrote:I wouldn't...
Besides which they can take up to 45 days to respond to a dispute which is going to be longer than it would be until your balance would update anyway.
Correct!
I have disputed balances before on occassion. Usually it updates within a few days on many CC's, but it has taken longer on some
I've never had an online balance dispute take 45 days. Usually I have had it take up to 2 weeks with one exception.
But, there is no guarantee.
CyndibemyLOVE wrote:
I just paid off all my Credit Cards and was thinking about doing a dispute as balance incorrect so that it could be reported with the new $0 balance instead of waiting till end of month for the update. Is this OK to do?
There is another option depending on who the lender is. You can call and request a "mid cycle update" to the credit reporting agencies. Some do, some don't. Speaking from experience, Capitol One and HSBC won't, but Citi will.