How long a credit report dispute takes, and what if they don't answer
Federal law puts the bureaus on a clock once they get your dispute.
The 30-day rule
Under the Fair Credit Reporting Act, a bureau generally has 30 days from receiving your dispute to investigate. It can be extended by up to 15 days if you send more information during that time, and it is 45 days if you disputed after getting your free annual report. Mailing certified with return receipt gives you proof of the start date.
What they must do
The bureau sends your dispute to the company that reported the item, and must delete or correct anything that is inaccurate, incomplete or can't be verified. It must send you the results in writing within 5 business days after it finishes, with a free copy of your report if anything changed.
If they say it's "verified"
You can ask how they checked it: the bureau must tell you the name and contact details of the company it relied on, if you ask. You can also dispute directly with that company, add more proof, or add a short statement to your file.
If they don't answer
File a complaint with the CFPB (free, online). Keep your letters, receipts and the bureau's answers. In My Credit, every mailed letter shows its answer-due date and turns red when it's late.
Questions
Can a deleted item come back?
Only if the company certifies it's accurate, and the bureau must tell you in writing within 5 business days.
Does disputing hurt my score?
No. Disputing doesn't lower your score.
General information, not legal advice. Sources: CFPB, FTC. Checked November 2026.