How do dispute campaigns and rounds work in CreditRefresh?
A dispute campaign groups every item you are disputing around one event, and each campaign contains one or more rounds, one round per wave of letters you send. The My disputes tab lists your campaigns with counters for Resolved, In Review, and Awaiting items, plus a "Next:" line telling you the recommended next step. From a campaign you can rename it, mark it resolved, close it, delete it, or add another round. Add a new round after a bureau responds to your last one, or after the response window has passed with no reply.
What is a dispute campaign?
A dispute campaign is the container for everything you are disputing at one time. Open the My disputes tab and you will see a list of campaigns. Each one is named "Dispute" followed by the date you started it, for example "Dispute, Jul 23, 2026." The card for each campaign shows how many items are in it, when letters were sent, and a status badge of Active, Resolved, or Closed.
What are rounds?
Each campaign is made up of one or more rounds. A round is one wave of dispute letters, sent together and tracked together as a group. Round 1 is created automatically when you start a campaign. If a bureau's response leaves an item unresolved and you want to push further, you add another round to the same campaign instead of starting over, so the full history for that item stays in one place.
Reading the campaign list
On the My disputes list, each campaign shows three counters: Resolved, In Review, and Awaiting. They tell you, at a glance, how many items in that campaign have been resolved, are still being reviewed by a bureau or creditor, or have not moved yet. Below the counters, a "Next:" line, for example "Next: Review bureau response," gives you the single action CreditRefresh recommends you take next.
Campaign actions
- Rename. Change the campaign's label. This does not change any letters or history already tied to it.
- Mark resolved. Close out a campaign once every item in it has been fixed to your satisfaction.
- Close. End a campaign you no longer want to pursue, even if not every item was resolved.
- Delete. Remove the campaign entirely, including its letters and round history, so use it only when you are sure you will not need that record again.
- Add round. Start a new wave of letters inside the existing campaign.
When should I add a new round?
Add a round in two situations. First, once a bureau has responded to your current round and you want to challenge or escalate the result, for example with a method of verification request. Second, once the response due date shown on the round page has passed without any reply. Keeping new letters inside the same campaign, as a new round, keeps the full back and forth on an item in one place instead of scattered across separate campaigns.
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.
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.