Repair Credit Score

What does the credit bureau do after investigation of a Credit Report dispute?

The agency is required to consider information and documentation from you as well as contact the creditor whose item you are disputing. Once all of the facts have been reviewed, the agency must:

• give you the results of the reinvestigation within five days of the completion;
• remove the item you are disputing if you are correct or if it is unverifiable (most creditors destroy records after twenty-five months, so it is very possible that the item you are disputing can no longer be verified);
• ensure that an item that was corrected does not incorrectly reappear on your report; and,
• provide you with a copy of your corrected report.

What happens if the credit bureau determines that the item being disputed is correct?

If the credit agency determines that the item you are disputing on your Credit Report is correct and that you are wrong, then the item will remain on the report.

If your report is corrected, the agency must send a copy of the corrected report to any creditors who have requested your report in the last year and to any employer who has requested it in the last two years.

Wait a few months after your Credit Report has been corrected and then request a copy of it. Verify that the error was corrected and has not reappeared. If it has reappeared (and this does happen), send a letter indicating this to the credit reporting agency and detail the history of the matter.