No more than 30 days, plus mailing time.
The Fair Credit Reporting Act gives consumer reporting agencies 30 days to respond to a consumer dispute. Hopefully you mailed your letter by certified mail, return receipt requested. That way you have proof that the CRA got your letter on a specific date. If you haven't received a response in 35-37 days later, they are in violation of that federal law.
Whenever you submit a credit report dispute, the credit reporting agency has as much as 45 days from receiving your dispute to do an analysis. The credit reporting agency generally will get 30 days to research your dispute, but when you signal more details inside the 30-day window, the credit reporting agency will get yet another 15 days, getting the total to 45. Once the credit reporting agency has got the outcomes of the analysis, the agency should inform you about the results within 5 working days.
They should.You can dispute it with the credit agency.Send the credit agency a dispute letter .
File a dispute with the credit reporting agency.
The dispute takes so long because the credit reporting agency has to investigate any and all disputes.
If the lien appears on your credit report, you dispute it with the credit bureau. You can do this by ordering your credit report on line and issuing a dispute through their investigation department, of course, you will have to provide evidence for your claim.
You present proof that the repossession never occured. You can dispute it with the credit reporting agency.
File a consumer dispute with the credit reporting agency. You can do that online as each reporting agency has it's own website.
Judgments will stay on your credit report for up to 7 years whether paid or not. You can dispute your judgments to the credit bureaus by sending dispute letters to each of the credit bureaus. The credit bureaus will have to investigate the items and if they are paid they have a greater chance of being removed.
If you identify information in your credit file that is incomplete or inaacurate, and report it to the consumer reporting agency, the agency must investigate unless your dipute is frivolous. See www.ftc.gov/credit for an explanation and procedures
Most of the credit bureaus want people who are going to dispute information to do so via website. The specific dispute websites are included as links to this message. If you wish to make a dispute via mail, each organization's website provides the address.
Removing Paid Accounts from a Credit ReportIf you haven't paid your collection account(s) yet, negotiate with the collection agency. State that you plan to pay in full, and that you want them to agree to remove the item from your credit report. If you've paid, and the item remains on your report, go to the credit bureau and dispute the item that has been paid. It's a good chance that the collection agency has purged your record and therefore will NOT verify a dispute investigation from the credit bureau. If the credit bureau doesn't receive verification from the collection agency in thirty days, they are obligated by law to delete the item from your credit report. Only the collection agency or the credit bureaus can remove collections off your credit report. You can either negotiate with the collectiona agency or dispute it to the credit bureaus.
30 days from the receipt of your letter