How do I read the bureau timeline on a dispute round?
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.
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. The bureau investigation period generally begins when the bureau receives the dispute, not when a draft is created or membership is paid. Upload a received response under Response letters and confirm the reviewed outcomes. Ask support to review missed deadlines against mailing and response evidence.
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Section 611 of the Fair Credit Reporting Act is the federal law that gives you the right to dispute inaccurate or incomplete information on your credit reports and requires the credit bureaus to investigate. Bureaus have 30 days from receipt to investigate, contact the data furnisher, and notify you of the outcome. If they can't verify the disputed information, they have to delete or correct it.
Under FCRA Section 611, a bureau that can't complete its investigation within the deadline (30 days, extendable to 45 if you add new information mid-dispute) must delete the disputed information. If the window passes with no response, allow for mail time, confirm the dates, and then escalate: the dispute record CreditRefresh keeps is your evidence, and a CFPB complaint is the standard next step.
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.
Open the round the bureau answered and find Response letters. Upload photos or PDFs, review the extracted outcomes against the original letter and correct any mistakes.