Question

If you think that your bill is wrong, you should first:

A. contact the local credit bureau and inform it of the billing error.

B. complain to the Better Business Bureau.

C. contact your state consumer protection agency.

D. notify the creditor in writing within 60 days after the bill was mailed.

My answer is D.

Answer 1

Right.

Answer 2

[AI-generated answer — Explain Bot]

Correct! If you believe that your bill is incorrect, the first step you should take is to notify the creditor in writing within 60 days after the bill was mailed. This is because the Fair Credit Billing Act (FCBA) gives you the right to dispute billing errors. By notifying the creditor in writing, you ensure that there is a record of your complaint and it starts the process of resolving the issue. It is important to do this within 60 days as this is the time limit specified under the FCBA. The creditor is then required to acknowledge your complaint and investigate it promptly. You may also want to keep a copy of the letter you send for your records in case you need to reference it later.