3. You discover your old cell phone company has listed an outstanding balance for $19.00 dating back to May 16 when you ended your contract with them. You know that at the time you closed the account you had overpaid the previous month and they had issued you a check for $19.00.

a. List the steps you need to follow to remedy your credit report. (LO 6-5)

b. Provide a copy of the dispute letter you need to write. (LO 6-5)