How many days does a credit bureau have to fix or remove an inaccurate item?
Sarah Martinez
Updated on February 03, 2026
30 days
If you find inaccurate or unverified information on one of your credit reports, you can dispute that information. And, under the Fair Credit Reporting Act (FCRA), bureaus generally have 30 days to investigate the dispute and remove any items proven to be inaccurate.
How do I get a charge-off removed from my credit report?
3 Easy Ways To Remove a Charge-Off From Your Credit Report
- Negotiate A “Pay for Delete” & Pay The Creditor To Delete The Charge-Off.
- Use The Advanced Method To Dispute The Charge-Off.
- Have A Professional Remove The Charge-Off.
How to successfully dispute problems on your credit report?
Write out your dispute and provide any supporting documents to prove your claim. Include relevant information such as your account number. Request in writing that the company contact the credit bureau to repair the problem. Have you ever had to file a credit report dispute? How did the process go for you? What tips do you have for others?
When to send a credit dispute letter to your credit bureau?
One of the most important powers you have as a consumer of credit is the power to utilize a credit dispute letter to dispute any items on your credit report. When you send a credit dispute letter to any of the credit bureaus, they are required by law to investigate and resolve your dispute within 30 days.
What do I need to file a dispute with Experian?
You should list each item on your credit report that you believe is inaccurate, including the creditor name, the account number and the specific reason you feel the information is incorrect. You may also submit documents to support your dispute.
What happens if I dispute my TransUnion credit report?
No change will be made if the creditor verifies its accuracy. In either case, TransUnion will send you a summary of the investigation results and, if applicable, a revised copy of your TransUnion Personal Credit Report. If our investigation has not resolved your dispute, you may add a 100-word statement to your report.
