How do dispute campaigns and rounds work in CreditRefresh?
A dispute groups the items and mailing history being handled together. Review and change eligible items while the round remains editable, using specific reporting errors as the basis.
A dispute groups the items and mailing history being handled together. Review and change eligible items while the round remains editable, using specific reporting errors as the basis. A later regular round advances the letter sequence, so do not create another round just to mail an unmailed first round or rerun a scan. Additional mailing and later escalation are different actions. If a prior round has not been mailed or answered, ask support which action fits the actual history.
Related articles
30 days. Federal law gives credit bureaus 30 days to investigate a dispute under FCRA Section 611, starting from the day they receive the letter. The window can extend by up to 15 days if you submit additional documents during the investigation. Most rounds resolve within 28 to 45 days from receipt.
Yes — you can dispute the same item more than once, but each round needs a different angle or new information to avoid being flagged as frivolous. Re-disputing fits when new evidence emerges, when verification looked shallow, or when an MOV request reveals problems with the original investigation. CreditRefresh tracks dispute history and drafts second-round letters when warranted.
After your dispute letter is mailed, by you or through RushMail, the bureau receives it, contacts the data furnisher (the bank, lender, or collector that reported the item), and asks them to verify the disputed information. The bureau then deletes, modifies, or verifies the item based on what the furnisher reports back. The whole investigation has to be done within 30 days under FCRA Section 611.
Open the current round and read the Dispute receipt, including the mailed date, Expected by and Latest by. Those dates are workflow estimates and do not prove delivery or a bureau outcome.