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Thank you, I was not aware that merchants contract to accept credit card payments, there is explicit direction as to how disputes will be handled.

It's kind of appalling actually that a merchant could issue such a appears that any merchant with any dispute could use that threat as leaverage?

In the case of our credit reports, it seems the party that makes the negative comment carries more weight in the credit world that than the sap who has follow up and make a dispute notation on their report?

What responsibility do the bureaus have to mediate or remove these spurious negative (but potentially false) entries?

Thanks again, RS
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