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 separately.
The following senarios may occur:
- one account may be removed/corrected first
- both may be removed/corrected at the same time
- both may not be removed/corrected
- one account may be removed/corrected while the other is not
Account type: average timeframe
- medical: 3 rounds
- judgements, some tax liens: 3 rounds
- inquiries: 4-5 rounds
- late payments: 3-6 rounds depending on creditor (i.e. Synchrony bank late payments are 5 rounds on average but Navy Federal takes 9 rounds on average or sometimes cannot be corrected)
- charge-offs, repos, foreclosures: 5+ rounds
- child support: even with supporting documentation, child support is extremely difficult to remove or correct. 80% of the time, child support takes on average 6 rounds
- student loans and bankruptcies: 6 rounds - cannot be removed
As you can see, each account type has a different average. You then must take into account the specific situtations, creditors, age of account, balances, etc. Unfortunately, some accounts cannot be removed or corrected. The FCRA mandates that the only negative items that can be removed are inaccurate, incomplete or unverifiable. If the account is reported accurately, it cannot legally be removed.
This is why it's imperative to use factual disputes, no templates and find all violations to escalate and expedite the process.
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 ...
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 ...
Clarification on how updates work
If this were regular credit repair, you would have updates either every 35, 45, 60 or 90 days based off the reports that you receive in the mail. Your dispute letters sent out would be based off templates and your total timeframe would be 12 months - ...
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 ...
When I sign up, how long until I hear something or receive something?
Learn, Prepare, Prevent Program: You will begin receiving emails immediately after sign up with member's only content such as building credit and scores. If we are missing something such as the sign up form, identityiq link or other, we will notify ...