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Waiting for Responses from Credit Agencies

A 10-part Credit Repair Guide

<< Part 7 — Part 8Part 9 >>

waiting for responses from credit
agenciesWaiting for Responses from Credit Reporting Agencies
You've sent your dispute letters to the credit reporting agencies and informed your creditors.  What's the next step?

At this point, you wait for responses from the credit bureaus in question.  According to the Fair Credit Reporting Act, the agencies are obligated to investigate your disputes, unless they are deemed to be frivolous. 

Once the investigation is conducted, you will receive the results in writing.  If the negative items in question are proved to be accurate, the credit bureaus will inform you, along with supportive evidence.  If the negative items have been removed, you will receive updated copies of your credit reports, along with written responses from your creditors.

All investigations must take no more than 30 days.  If you don't receive any response from your credit reporting agencies or creditors in 45 days, file a complaint with the Federal Trade Commission (FTC).  The FTC cannot resolve your disputes, but the commission is responsible for investigating unethical business practices.

The process of writing credit repair letters can be time-consuming, especially if you don't possess the expertise in dealing with the creditors and credit bureaus.  By choosing a quality credit repair company, you could reduce time associated with waiting for responses from credit bureaus. Visit to fix your credit today!

waiting for credit
agencies for respond

Go to Part 9 — Repeat the Credit Repair Process
What procedure do you follow if your disputed items do not get removed from your credit reports?  The next section will explain the process re-disputing items.

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