When you dispute a credit problem on your credit report does the agency have a certain time limit to verify and prove the dispute?

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1109588

2026-08-03 18:15

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The Fair Credit Reporting Act reads "...if the completeness or accuracy of any item of information...is disputed...the agency shall...conduct a reasonable reinvestigation...BEFORE THE END OF THE 30-DAY PERIOD beginning on the date on which the agency receives the notice of the dispute... It goes on to say that this time period "...MAY be extended for not more than 15 additional days if the consumer reporting agency (bureau) receives information from the consumer (you) during that 30-day period..." The hint here is not to write again with any additional info until you receive their response. You also need to allow for mailing time, about 3-5 business days. So, if you send a letter of dispute, and have not heard back within 35-40 days, write again.

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