How can i dispute a credit card for harming my credit?

I purchased sears (HSBC credit card) card. Previously they told me it was free and then they charged me for annual fee. I refused to pay it and filed a case with bbb. HSBC refused to budge. However, it took months and i had to pay the fee to close my account.


They have also harmed my credit for it.


How can i dispute it?|||It should have been disclosed to you that you were being charged an annual fee. Sears uses 2 banks to approve people for credit. The first bank that runs your credit is Citibank. They do not charge an annual fee. If Citibank does not approve you, then HSBC runs your credit. HSBC has 3 levels they can approve you for - $59 annual fee (option x), $19 annual fee (option y), or no annual fee (option z). If you were approved for an HSBC Sears Solutions card, you would have needed to sign another form listing these options, with the annual fee right there.





With all that said, I don't think you will be able to fight it unless you can prove you did not sign the form that shows the annual fee.|||Step 1: Check Your Credit Report and see if this is listed in collections or as derogatory info with HSBC.


Did they tell you this in writing that there was no annual fee? or did the cashier tell you this? If you have paperwork which shows that you don't have an annual fee, then you can file a dispute with experian online and mail in that paperwork(send a copy , keep original)


Step 2:


Did this credit card ever go into collection? If it shows up on your report as a collections item, that's bad. If it shows on your report as delinquent information, 60days late etc... you may have a easier chance repairing


Step 3:


If it went into collections, provide proof that there was no annual fee and dispute it.


If you do not have proof, there is nothing you can do.


However, if it did not go into collections,


Write Sears and explain that the rep misinformed you and the annual fee was a surprise. In the letter request that they remove derogatory info or "white space" it. Which basically shows no history, sort of a neutral history.|||I know some of those Sears cards do hit you with an annual fee if you have credit issues,, It should have disclosed when you received your card,





If you didn't want to pay the annual fee,, you should have canceled the card not refused to pay it,,





You can file an online dispute, however HSBC is not likely to drop the reported late's from your credit reports,,|||yeah try the first site