You could file for a credit report dispute if you notice inaccurate reporting of a credit account or a clerical error.
Under the Fair Credit Reporting Act (FCRA), credit bureaus generally have 30 days to investigate a dispute and respond.
However, if you dispute after receiving your free annual credit report, the credit bureau has 45 days to investigate.
Include a copy of your credit report with the errors highlighted along with any other supporting documents.
If you submit additional information during the probe, the credit bureau has an additional 15 days to complete it.
Credit bureaus have either 30 or 45 days to complete an investigation, but it doesn't mean it will take that long.
The amount of time to settle a credit reporting dispute depends on the nature of the item being disputed.
It is also dependent on how quickly the entity responds to requests to verify the information.
Therefore, it takes a maximum of 45 days to resolve any dispute on the credit report.