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| *Loan,banking and credit>>>credit report |
How long does it usually take for an error on your credit report to be resovled once a dispute has been made? |
My husband's brother has several negative credit items, including two auto repos, that are showing up on my husbands credit reports....it is really holding us back as far as puchasing a new vehicle and getting any type of credit card. If a person uses reports that they order and pay for from each individual CRA, the CRA has 30 days to complete their investigation. If a person uses reports that they got for free because of FACTA (annualcreditreport.com), then the CRA's have 45 days to complete their investigation. Like Celeste said, if a person contacts the CRA's while there is a current dispute going, the CRA's can claim new information was included and have an extra 15 days to complete the investigation. It does not matter what the reason is when a person contacts the CRA's when there is a dispute going, they could call the CRA's and ask what the weather is like where they are - the CRA's will tack the extra 15 days onto the investigation. I don't know but I really want your email address because once I saw that avatar of yours I think it is sooooooooooooooooooooooooooooo... PRETTY! Check out mine by emailing me at lissy911@sbcglobal.net. Mine is really cool too but yours is so cool by having that rainbow. This is my moms avatar. Not mine. I believe that once you dispute it the company in charge of the debt has 30 days to prove that it is a legit debt. If they do not do this within 30 days it is taken off of the report. My own lowsy credit It use to be within 30 days but I believe that's been increased to 45 days. Probably due to all the folks submitting disputes for legitimate negative items, hoping to increase their credit scores. I don't know in the USA but in the UK they can stay on file for 6 years!!! I had a problem with a mobile phone network putting a bad credit reference on my file so I phoned them to say I had never used their company and asked them to remove the bad credit, was told they are not allowed to and told me to contact experian. O2 the phone company then ammended the credit report to say there was no money outstanding and I contacted experian and told them about the situation. was told it would stay on file for 6 years but I could add a comment to my file explaining the situation, so I did that. I would suggest that you contact the credit company that holds the bad record eg experian as well as contacting the company that repo'ed the cars to tell them they have placed a bad credit reference on the wrong person. if its not your husbands then dispute it with all three credit buerals and if it is then u can't do anything about it |
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