Credit Report Update After Single Disputed Charge

[BR]

Hello all,

I recently had a billing issue, and I need some insight on how long it might take for my credit report to reflect the changes:

• Disputed a $35 charge on my PayPal Mastercard.
• While waiting, the merchant refunded the payment outside of the dispute.
• I contacted Synchrony (the card issuer) and requested they cancel the dispute.
• The card now shows as "unavailable" on my credit report and my score has increased. 

My question is: How long should I expect it to take for my credit report to return to normal? Does the "unavailable"/Dispute status affect  stuff down the line like mortgages/new credit cards/looks bad?

Any advice or experiences with similar situations would be greatly appreciated!

[CorpCrMgr1]

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@BR wrote:

Hello all,

I recently had a billing issue, and I need some insight on how long it might take for my credit report to reflect the changes:

• Disputed a $35 charge on my PayPal Mastercard.
• While waiting, the merchant refunded the payment outside of the dispute.
• I contacted Synchrony (the card issuer) and requested they cancel the dispute.
• The card now shows as "unavailable" on my credit report and my score has increased. 

My question is: How long should I expect it to take for my credit report to return to normal? Does the "unavailable"/Dispute status affect  stuff down the line like mortgages/new credit cards/looks bad?

Any advice or experiences with similar situations would be greatly appreciated!

---

I'd contact Synchrony and ask the status of the card.

[BR]

Yep looks like it got fixed. Also looks like synchrony reports your scores to (at least experian) more than once a month. 

[CorpCrMgr1]

@BR  good job in getting it fixed.