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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.
What else can I help you with?
How do you remove a reposession from a credit report when the reposesion was the finance company's error?
File a consumer dispute with the credit reporting agency. You can do that online as each reporting agency has it's own website.
How do you remove a repossession on your credit report after bankruptcy is discharged?
You present proof that the repossession never occured. You can dispute it with the credit reporting agency.
Will my credit score rise if a tax lien is withdrawn due to an IRS error?
It should, but I would recommend writing to each credit reporting agency to dispute the negative entry on your credit report.
Has the credit reporting agency mistakenly reported you as deceased on your credit report?
If a credit reporting agency has mistakenly marked you as deceased on your credit report, you should contact them immediately to correct the error.
How can I receive compensation for my damaged credit rating?
You can seek compensation for your damaged credit rating by filing a claim with the credit reporting agency responsible for the error or by hiring a credit repair company to help dispute and correct any inaccuracies on your credit report.
How do you find out from a collection agency who sent you to them for collection when you never was notified that you were in collection you discovered it on your credit report?
File a dispute with the credit reporting agency.
How do you remove a reposession from a credit report when the reposesion was the finance company's error?
File a consumer dispute with the credit reporting agency. You can do that online as each reporting agency has it's own website.
Why do dispute take so long on credit Report?
The dispute takes so long because the credit reporting agency has to investigate any and all disputes.
How do you remove a repossession on your credit report after bankruptcy is discharged?
You present proof that the repossession never occured. You can dispute it with the credit reporting agency.
What if a carlot doesn't report your payoff on a car how can you get that fixed?
File a dispute with the credit reporting agencies. The car lot will have to prove that you still owe money or the credit reporting agency will change it.
Do you dispute the date of a paid federal tax lien with the IRS or the credit reporting agency?
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.
How long may a credit reporting agency take to reply to a consumer dispute letter?
30 days from the receipt of your letter
Can a reporting agency change dates on credit report after a dispute?
Yes, the credit reporting agency can update the Date of Last Activity, Date last Reported, etc... But they cannot change the FCRA compliance date, which is the date the account is supposed to come off your credit report.
How can you dispute outdated collections on a credit report?
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
How do you remove a false charge off date from your credit report if the date was reset from the original?
You can have a credit dispute, if the agency reporting the bad judgment does not get back with the company disputing the judgment within 30 days, it HAS to be removed from your credit report. Example: I filed bankruptcy(?) on a auto repo. and the company did not take it off my credit report, I had my credit card company do a credit dispute, they did not respond within 30 days, and it was removed from my credit report.
What is a credit reporting agency?
A credit reporting agency (CRA) is a company that gathers and sells financial history information
Is it more effective to challenge inaccurate credit information via the reporting agency or each individual creditor?
As much as I hate to say it, as it makes more work for collection agencies, dispute inaccurate information with the bureau it is listed with. They require the reporting agencies to at least mark the information disputed. In addition to that, agencies must have proof of debt, and must respond to the bureau. Bureaus are a pain and they love the hold function on their phones, but are effective if you have the patience.
