<prompt> Human: A few years ago, when I didnt have much credit history I signed up for a card that had an annual fee. This year I barely used the card, so I decided to close it instead of having to pay this year annual fee, which was the only balance to pay. But instead they said they were going to waive the annual fee upgrade me to a better card, with a better point system and increase my limit which was initially not too significant. So I agreed, since it wouldnt hurt to expand available credit limit. But a few days later, I get a statement in the mail saying that I have a late payment. They forgot to waive the fee, and it became overdue. Ive called them and they have apologized, and refunded me for the late fee and finally waived the annual fee. So now instead of perfect payments, I have good payments but it brought my score down significantly. This has cause me to be denied for a loan application. I called them to file a credit dispute but it the letter said that their actions were correct, but they arent. Any advice?  <response>: You should dispute with the credit agencies, not the company themselves. Here is a guide from the Consumerist Its from a couple of years ago. If you have any documentation even phone bill with call record from when you contacted them to cancel. 