 TITLE: How Long Will It Take to Repair My Credit History? CONTENT: How Long Will the Dispute Process Take?\n---------------------------------------\nThere is no single answer to the \"how long will this take\" question. The credit bureaus have 30 days to complete their investigations by law. There are, however, two exceptions to the 30-day rule.\nThe first is if you file your dispute after you've accessed a copy of your credit report or credit reports via AnnualCreditReport.com. AnnualCreditReport.com is the federally mandated website set up and operated by the credit reporting companies to provide consumers with their free annual credit reports.\nThe second exception occurs if you file a dispute with a credit reporting bureau or bureaus, and subsequently provide supporting documents to them regarding your dispute, such as canceled checks or a letter from your lender supporting your position that something is being reported incorrectly.\nIn either of these two scenarios, the credit reporting companies will have an additional 15 days on top of the initial 30 days to complete their respective investigations.\nWhile the credit bureaus legally have either 30 or 45 days to complete their investigation, that doesn't mean it will take that long. The 30-day time limit has been part of the FCRA for several decades and became law during an era when the various dispute forms were physically mailed, rather than sent via the internet. Today, most consumer disputes are now completed within a few weeks thanks to advancements in technology. END