Step one: Check the cardholder agreement for your account and confirm whether the creditor has an arbitration clause. You can also check adr.org to see if the company uses AAA arbitration. This matters because arbitration can be leverage if the account is being reported inaccurately. Step two: Send a written notice of dispute directly to the creditor explaining exactly what is inaccurate and why. This is not a generic letter. Be specific. Sending it certified mail with a return receipt is recomm

The Termination Clause Trap: How One Sentence Can End Your Franchise Overnight!