Free Tool

Dispute Deadline Tracker

Track the 30-day investigation window for every dispute you've sent. Know exactly when to follow up and when to escalate.

Add a dispute

Bureau

Account / item disputed

Date dispute was sent

Sent via

Notes (optional)

Key Deadlines Reference

Day investigation window

Bureau must complete investigation within 30 days of receiving your dispute (FCRA § 611)

Day extended window

Extends to 45 days if you provide additional information after the initial dispute

Business days after completion

Bureau must send you results within 5 business days of completing the investigation

Active disputes ()

What to Do After Each Window

If resolved in your favor

Request a free updated credit report. Verify the correction appears on all three bureaus — fixing one does not automatically fix the others.

If result stands

You may add a 100-word consumer statement to your file explaining your position. Consider a furnisher dispute directly with the original creditor under FCRA § 623.

If no response after 30 days

The bureau may have violated FCRA. File a CFPB complaint immediately and consider consulting an FCRA attorney — violations are actionable. CFPB complaint →

Educational content only. This page is for informational purposes and does not constitute legal, tax, or personal financial advice. Results vary. Laws and bureau processes change. Consult the CFPB, FTC, and AnnualCreditReport.com for authoritative guidance. Full disclaimer

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