How do my dispute letters get mailed?
CreditRefresh does not automatically mail letters as part of membership. Review the letters in the existing round and either download and physically mail the package or authorize a separate RushMail order through Pay & send.
CreditRefresh does not automatically mail letters as part of membership. Review the letters in the existing round and either download and physically mail the package or authorize a separate RushMail order through Pay & send. There is no per-letter delivery switch in Letter library or separate approval status to unlock mailing. Review the total before paying. If you already self-mailed any letters in the round, ask support to review the order first because the current checkout can include those letters again.
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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.
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.