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Generally speaking a creditor has 30 to respond. But do not expect the item to be taken off your credit report. If you have filed a dispute the item wll say that you owe the money but you have disputed it. Even after its paid it can stay on your report for up to 7 years.

^^^^ Actually, that is completely incorrect. They do have 30 to respond, however, if they have not complied to your dispute within 30 days of receiving, FRCA by law has to removed this from your report. If you don't dispute it, the it will remain on your report for up to 7 years.

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12y ago

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