The investigation usually begins after receipt
A credit reporting company generally has 30 days to investigate. Some cases can take up to 45 days, and results generally must be provided within five business days after completion.
Relevant information is reviewed
The reporting company sends relevant dispute information to the furnisher. The furnisher investigates and reports back. A clear explanation and organized supporting documents help identify the exact issue.
Review the result, not only the score
Compare the written result and updated report with the original disputed item. If the item changed, verify the correction across the reports where it appeared. If unresolved, learn about adding a statement or filing a CFPB complaint after first working with the company.
Official sources
Review the current government sources before acting because requirements and contact information can change.
CFPB: Investigation timing CFPB: Disagreeing with results