How long until I see results with CreditRefresh?
CreditRefresh cannot promise when your score will change or when a dispute will succeed. Drafting and analysis are separate from physical mailing and bureau receipt.
CreditRefresh cannot promise when your score will change or when a dispute will succeed. Drafting and analysis are separate from physical mailing and bureau receipt. A bureau generally has 30 days from receiving a dispute to investigate, with extensions allowed in qualifying circumstances. Review the current round's receipt dates and confirm any uploaded response outcomes. CreditRefresh does not automatically file CFPB complaints or send later rounds for you, and the conditional guarantee is explained at https://creditrefresh.ai/guarantee.
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CreditRefresh is an app that uses AI to find errors and FCRA violations on your credit reports, then drafts custom dispute letters to Equifax, Experian, and TransUnion. It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response. You approve every letter before it's sent.
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.
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.