re: Disputing a Charge on Debit Card - Pros v. Cons

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This should have no effect on your credit.

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Obviously I have a limited amount of knowledge on the entire situation, but I assume that once I dispute the charge it will be revoked and the company will then turn me over to a collection agency that will try and "convince" me to pay my debts. I couldn't care less about a few phone calls here and there, but I assume there is some mechanism by which my credit is affected by these debts being handed over to an agency.