How Long Does It Take to Correct Credit File Errors? John Ulzheimer Credit Expert Witness 1-866-985-8884

One of the most common questions consumers ask regarding the credit report dispute process is how long it will take for a credit report to be corrected of incorrect information.  There are several answers to this fairly simple and straightforward question…

1. A couple of days – If you’re going through the process of a mortgage loan application you may be familiar with the process of “rapid update.”  Rapid update, which has several other names, is the process whereby your mortgage lender can work with his or her mortgage credit reporting company and get items updated or corrected on your repository (Equifax, Experian, TransUnion) credit file in 24-72 hours.

2.  A couple of weeks – According to the credit reporting industry trade association most investigations are completed within a couple of weeks. The process is now heavily automated and is simply a matter of the furnishing party logging onto a website and confirming or corrected the disputed credit entry.

3.  30 days – This is by far the most common answer to the question.  Section 611 of the Fair Credit Reporting Act allows the credit reporting agencies 30 days to complete their investigation from the date on which they received the notice of dispute.

4. 45 days – If you submit supplemental information during the above referenced 30 day investigation period then the credit bureaus will have an additional 15 days to complete their investigation.

5. Never –  The credit reporting agencies can end an investigation if they determine that the dispute is frivolous or irrelevant.

Credit Reporting Expert, John Ulzheimer, is the President of Consumer Education at, the credit blogger for, and a Contributor for the National Foundation for Credit Counseling.  John is twice FCRA certified by the credit industry’s trade association. He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and, John is the only recognized credit expert witness who actually comes from the credit industry and has worked for a credit bureau and a credit score developer.