Credit Agency Response Period – How Long Do I Wait?

Credit Agency Response Period – How long does it take?
- After your initial mailing, you should initially hear back from the credit bureaus within a couple of weeks. However, this initial response is usually not a resolution to the issue you presented. Generally, it’s more of a confirmation that they’ve received your correspondence and are investigating the matter. (You might also choose to send the letter with a return receipt requested so you can confirm that it was received.) It’s worth noting that a credit bureau has to respond to your inquiry within 30 days, or they must remove the negative item listed, per Fair Credit Reporting Act regulations.
- A credit bureau’s investigation cycle, including mailing of the findings, usually takes about 45 days.