Cramming Unauthorized Charges on Your Phone Bill 2025

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The Takeaway. With rent, phone bills, electric bills, and other utilities, on-time payments or one late payment typically wont make any difference to your credit score, because theyre not considered credit accounts by the three major credit bureaus.
You can also call to dispute a charge, but to get your legal protections, you must send a letter within 60 days of the issuance date of the first bill that shows the disputed charge.
You can submit your dispute online or by mail, but either way, it should include: Copies of supporting documents proving the error. A clear explanation of why the debt isnt yours. Your contact information and report details. Copies of any communication with the collector.
Using Wi-Fi, updating your service address and signing up for automated payments are a few ways you may be able to reduce phone costs. Use Wi-Fi when available. Reevaluate your current plan. Evaluate your phone insurance plan. Update your service address. Sign up for automated payments and/or paperless billing.
If you find unauthorized charges on your phone bill, promptly contact both your phone company and the third party to dispute the charges, ask that all future charges stop, and ask for a refund of past charges.
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Send a complaint letter If discussing the situation with the provider doesnt resolve the problem, the next step is to send a complaint letter to them to dispute the bill. You should include: your name, address and contact number. your customer account or reference number.

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