What do the dispute and letter statuses in CreditRefresh mean?
CreditRefresh uses a few different status labels depending on which screen you are looking at, and they all describe the same dispute from different angles. Campaigns show Active, Resolved, or Closed. Individual items show Resolved, In Review, or Awaiting. Rounds show a Submitted badge and a current state of Tracking bureau window. Letters carry DRAFT or SENT on the round page, and the same letters show Not sent or In delivery in the Letter library. This article maps them to each other so you always know where a dispute really stands.
Three sets of status labels, one dispute
CreditRefresh shows status information on a few different screens, and each one describes the same dispute from a different angle. This article maps campaign status, item counters, round status, and the two different letter status vocabularies to each other, so you always know where things actually stand.
Campaign status: Active, Resolved, Closed
Every campaign on the My disputes list carries one of three badges. Active means the campaign is open and being worked. Resolved means you marked it done because every item was fixed to your satisfaction. Closed means you ended it without necessarily resolving every item. You set Resolved and Closed yourself from the campaign page.
Item counters: Resolved, In Review, Awaiting
Within a campaign, individual disputed items are rolled up into three counts: Resolved, In Review, and Awaiting. These move as you log outcomes for each item, typically after you upload a bureau's response.
Round status: Submitted and Tracking bureau window
A round carries its own badge, Submitted, once its letters have gone out for tracking. Its current state usually reads Tracking bureau window while you wait to hear back from a bureau. That state moves forward once you click Mark response received on the round page.
Letter status on the round page: DRAFT and SENT
Each letter inside a round also carries its own badge. DRAFT means the letter has been generated but has not yet been recorded as sent. SENT means CreditRefresh has recorded that this letter went out. You can Edit a letter at any status, and download it as a PDF.
Letter status in the Letter library: Not sent and In delivery
The Letter library tracks the same letters from a mailing point of view, using a different pair of labels tied to how the letter is delivered. If a letter's delivery method is Self, meaning you are printing and mailing it yourself, its letter status reads Not sent and its Date sent column stays blank until you send it. If the delivery method is Mail partner, meaning you chose to have it delivered through CreditRefresh's mailing partner, the letter status reads In delivery once it is being delivered, with a Date sent filled in. Either way, "Not sent" with a blank Date sent means the letter has not left your hands yet, and it is still on you to print and mail it, unless you chose Mail partner for that letter.
Why the same letter looks different on each page
The round page tracks a letter as a document: whether it has been drafted, or marked sent. The Letter library tracks that same letter as a piece of mail: whether it is sitting with you unsent, or moving through delivery. They describe the same letter from two angles, so check the Letter library when you want to know if a letter has actually gone out.
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A "verified" outcome means the bureau contacted the data furnisher, the furnisher confirmed their records match what was reported, and the item stays on your report. Verification often deserves a second look — investigations can be shallow. The next move is usually a Method of Verification request or a second-round dispute with new evidence.
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.
After you approve a letter in the app, you choose how it gets mailed: print and mail it yourself, or have RushMail, the mailing partner, send it for a small per-letter fee. Mailing creates a dated paper trail for each dispute, and once the bureau receives the letter, its 30-day investigation window under FCRA Section 611 begins. The platform tracks that window for you.
Each round page shows a DISPUTE RECEIPT panel with three dates, Submitted, Response due, and Current state, plus a bureau timeline with six steps per bureau. Response due lands about a month after you submit, reflecting the roughly 30 day window bureaus have to investigate plus time for mail to travel. The delivery window is just a few days, covering when your letter is expected to arrive. Once a bureau replies, use Mark response received to move the round forward.