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mliubkin

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How often do the tree major credit agencies update the data in credit files?
Working on cleaning up my credit report, and have submitted disputes on several items on 5/20/16. On average, how often do the tree major credit agencies (Transunion, Equifax and Experian) update the data in credit files?

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By law, under the Fair Credit Reporting Act (FCRA), the credit reporting agency has 30 days to invesigate a dispute and notify of their determination. They have to complete their review in that 30 day timeframe and notify you of the outcome. Once the you receive the results of their investigation, it will tell you what, if any, changes they made to the disputed item (ie. item verified it as reporting correctly, balance updated/corrected, item deleted, etc). In my experience, once that notification is received, the report has already been updated.

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mliubkin

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Thank you, this is very helpful.

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