A: The Fair Credit Billing Act states that while your debt is in dispute, the creditors may NOT report negatively on your credit report. If they do, they are in violation of your Federal rights.  Upon completion of the process, client is eligible through effort of their own, or a 3rd party company to have negative and/or adverse items removed from all three major credit reporting bureaus. However, client should anticipate that their credit score will be negatively impacted by this process temporarily.