After receiving a QWR that disputes a specific charge, for how long is the servicer prohibited from reporting negative credit information about that disputed amount?

Correct answer: 60 days

The servicer CANNOT report negative credit information to credit reporting agencies for 60 DAYS after receiving the QWR — but only for the DISPUTED amount. The servicer may still report on other aspects of the account. After 60 days, if the dispute is unresolved, the servicer may resume reporting on that amount. This 60-day credit reporting protection prevents borrowers from suffering credit damage while a legitimate dispute is being investigated.