How long does the credit restoration process take?
It all depends on how many negative inaccurate, obsolete, misleading or duplicate items are on your credit reports. It also depends on the credit bureaus properly doing their job by heeding the federal law, Fair Credit Reporting Act. You will usually see results from all 3 credit bureaus in as little as 35-45 business days. The credit bureaus can respond faster if they gather all of the information back from your creditors in a timely manner, which by law is no more than 30 business days.
The average timeframe to see deletions or corrections is 90 days. Some see deletions/corrections on the first round. Most see deletions/corrections at 90 days. It just all depends on what's being reported on the file.
The normal total timeframe for desired results is 6 rounds, but can be a shorter period or a longer period such as 9 rounds.
Why do some accounts get removed quickly while others take a long time?
Unfortunately, this process is not certain. It's not guaranteed. There's no way to "force" the bureaus, creditors or collection agencies to do anything (or anyone else for that matter). This is why I call them "rounds", as in "dispute rounds". It is ...
What's the average dispute time per account type?
Below you will find the average dispute time per account type. Keep in mind these are averages and each client's situation is different. i.e. husband and wife may have a joint account but because they are 2 different people, their file are handled ...
Why does the sweep process take so long?
The bureaus have 30 to deliver your results, and 45 days if your credit report was obtained via annualcreditreport.com. After we submit your first round, we must wait for these results either in the mail or online before we can send out another ...
Requirements for credit sweep processing
Required for credit sweep processing: 1. login for identityiq login 2. docs: copies of ID, SSN, proof of address 3. Sign up form found here Discounted IdentityIQ credit monitoring: Click HERE or paste into your browser: ...
Why do the Credit Bureaus make the credit repair/restoration process so complicated? What do they stand to gain by not helping the consumer?
The credit bureaus do not want you to be educated about how to read your credit reports, understand what certain details mean, what is a positive account, what is a negative account, what is a red flag and how it can hurt you, how to delete or ...