How to Dispute Credit Report Errors (cont.)
Contributed by Melanie Vannuys
How Long Does It Take To Get A Reply After I Dispute An Entry On My Credit Report?
Once the credit bureau has received your letter of dispute, they have thirty days to investigate your claim. They must forward all correspondence related to the dispute to the information provider. Once the information provider receives the information, they are then required to investigate the information on their end and report back to the credit bureau. If the information provider finds that the entry is indeed inaccurate, it must notify all nationwide credit bureaus immediately to have it removed from your credit file.
Furthermore, if disputed information is unable to be verified, by law it must be removed from your credit report. If your report contains erroneous information, the credit bureau must fix it. If your file shows that an account belonged to another person, then the credit bureau must fix it.
Once the investigation is complete, then the credit bureau is required to notify you in writing with the results and another free copy of your credit report for your verification if the dispute results in change. Also, the credit bureau must then supply your changed credit report to anyone who has requested it in the last six months.
