How does CreditRefresh send my dispute letters?
After you approve a letter in the app, CreditRefresh handles delivery: the letter is mailed to the bureau reporting the disputed item. You do not print, address, or mail anything yourself. 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.
You approve, we handle delivery
Every dispute starts as a drafted letter in your dashboard. Once you review and approve it, CreditRefresh takes over: the letter is mailed to the bureau whose report contains the item. There is nothing for you to print, address, or take to the post office.
What each letter contains
Letters are drafted per item, not from a generic template. Each one identifies the specific account or entry being disputed, states what is wrong (inaccurate, incomplete, outdated, or unverifiable), and cites the legal grounds under the Fair Credit Reporting Act. Bureaus are required to investigate the specific items raised.
Why mail instead of the bureaus' online portals
A mailed letter creates a dated record of exactly what was disputed and on what grounds. That paper trail matters if a dispute needs a second round, a Method of Verification request, or a CFPB complaint later, because you can show precisely what the bureau was told and when.
What happens after mailing
When the bureau receives the letter, its 30-day investigation clock starts under FCRA Section 611. The bureau contacts the data furnisher, asks it to verify the disputed information, and then deletes, corrects, or verifies the item. CreditRefresh tracks each dispute's window and shows you the outcome when the bureau responds.
If the same error is on multiple reports
Each bureau keeps its own file, so an error that appears on two or three reports gets its own letter to each bureau. The platform routes each letter to the right place automatically.
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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.
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.
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.