[Rick Lee]

Hmmm. Now I'm wondering how I can file a dispute with the three credit reporting agencies. My old cell phone bill dispute has been turned over to a collection agency and they got me once on the phone. I told the guy he could write that one off and not to waste his time chasing me, that I had already paid one early termination fee and that was all I was paying. I'm sure they're able to put this on my credit report, but I'd like to get a note in there too that I vehemently dispute the charge and never ever agreed to pay more than the early termination fee I already paid.