Skip to main content
An official website of the United States government
(855) 411-2372
Submit a Complaint

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

If a credit reporting error is corrected, how long will it take before I find out the results?

Answer: Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. Generally, they must investigate the dispute within 30 days of receiving it.

However, it has 45 days to investigate if you dispute after receiving your free annual credit report. Also, if you submit additional information relevant to your dispute during the 30-day investigation period, it can extend the investigation period for 15 additional days.

You will also receive a copy of your updated credit report.  This free report does not count as your annual free report.  Please note that if a company provides the wrong information to a credit reporting company and then corrects your credit report as a result of your dispute, it has a duty to forward the correction to every credit reporting company to which it has provided the incorrect information.

Was this page helpful to you?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.