When resolving a billing dispute, a creditor must either tell you why the bill is correct or: require you to pay the bill in full and then credit your account if the error is found. demand that you surrender your credit card. send this information to a credit bureau. correct your account within two billing periods. start the collection process. Which federal consumer credit law requires credit-reporting agencies to send the consumer's version of a disputed item to certain businesses or creditors? Equal Credit Opportunity Act Fair Credit Reporting Act Fair Credit Billing Act Truth in Lending Act Fair Debt Collection Practices Act If your credit application is denied, you: can reapply for credit after 30 days. should sue the credit rating agency. should file a complaint against the merchant. are entitled to know the specific reason you were denied credit. have no legal right to know why