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Typical Flow of a Credit Report Dispute

If you hired a credit repair company or decided to dispute items on your credit report with the credit bureaus yourself, the process would look something like this:

  1. Dispute letter sent to bureau.
  2. Bureau receives dispute letter and opens investigation with your creditor.
  3. Your creditor has 30 days to respond to the credit bureau.
  4. Credit bureau then sends you the results.  After mailing time this is generally about 60 days after you initially sent your dispute letter.

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