 TITLE: How Long Will It Take to Repair My Credit History? CONTENT: How Does the Dispute Process Work?\n----------------------------------\nIt's important to understand what happens when you file a dispute with one of the three national credit bureaus (Experian, TransUnion and Equifax). When you dispute information, you set in motion a process regulated by the Fair Credit Reporting Act (FCRA). The FCRA, among other things, gives you the right to dispute information on your credit reports at no cost. Section 611 of the law entitles you to a reasonable investigation pursuant to your dispute.\nWhen the credit bureau receives your dispute, it will communicate directly with the source of the disputed information. This source, formally referred to as the \"data furnisher,\" is usually a lender or other financial services company, debt collector or other business.\nThe furnisher is obligated to perform a reasonable investigation when they receive your dispute from the credit bureau. The furnisher will generally review their records to determine whether your dispute has merit and warrants a change in their credit reporting. Once they have performed their investigation, they will respond to the credit bureau that made the request and instruct the bureau to either delete the information, modify it or leave it unchanged. END