If you find a charge on your credit card bill for an item or service that you didn't purchase, let your credit card company know that you want to dispute the charge. There is a credit card service that will help you with your dispute.

The Fair Credit Billing Act allows you to dispute billing errors related to unauthorized charges, charges for items that weren't delivered, math errors, failure to acknowledge returns and failure to send a bill to your address. If any of these errors apply to an item on your credit card statement, write to your credit card company within 60 days of the bill. Keep a copy of the letter and send it certified mail so you have a record of when the credit card company received it.

You will not be required to pay for the item or any interest that might have applied to it while it is being disputed. This will not affect your credit score.

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