Should I dispute with all three bureaus at once?
Dispute with every bureau that is actually reporting the error, and only those. Each bureau keeps its own file, so a correction at Equifax does nothing at Experian or TransUnion. CreditRefresh scans all three reports, and when an error appears on more than one, it drafts a separate letter for each bureau reporting it. No bureau gets a dispute about an item it isn't reporting.
The rule: dispute where the error lives
Each bureau maintains its own independent file on you. When a bureau deletes or corrects an item after a dispute, that change applies to that bureau's file only. If the same error sits on all three reports, it takes three disputes to clear it everywhere.
The flip side matters too: there is no reason to dispute with a bureau that isn't reporting the item. A bureau can't investigate something that isn't in its file.
Why the same error shows up differently
Furnishers don't always report to all three bureaus, and the bureaus process data independently. A collection account might appear on two reports with different balances, or only on one. That is normal, and it is why the same underlying error can need different letters at different bureaus.
How CreditRefresh handles it
The AI scans all three reports side by side. When it flags a disputable item, it drafts a letter for each bureau actually reporting that item, each one specific to what that bureau's report shows. You review and approve each letter, and each bureau's 30-day investigation runs on its own clock.
Timing across bureaus
Bureaus respond independently, so don't be surprised if TransUnion resolves a dispute weeks before Equifax answers about the same account. The platform tracks each window separately and updates you as each response lands.
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Your three credit scores differ because the bureaus — Equifax, Experian, and TransUnion — operate independently, receive different data from different creditors, update on different schedules, and feed that data into different scoring models. Gaps of 10 to 50 points are normal. Bigger gaps usually signal that one bureau is missing information or has a reporting error worth disputing.
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 CreditRefresh mails a dispute letter, 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.
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.