Visit your website listed inside Resource section, Annual Credit Report, a federally mandated site. Your credit ranking contains proof all your finances, your payment history plus your identifying information. For disputes in the claims and defenses category, the cardholder can file a dispute with all the card issuer at any point as much as one year on the statement listing purchasing. The Fair Credit Billing Act enables you to challenge charges for the item that you simply did not order and for delivered goods or services which can be damaged or of poor calibre, the Bankrate website explains. The transaction goes thru without even the person seeing the entire debit card number. Although plastic cards are the favorite payment for renting a car or truck, it.