30-Day Investigation Rule

If you know anything about credit repair and the Fair Credit Reporting Act, you know the bureaus are allowed 30 days to verify whatever minuscule details you are disputing. This protects you from dying of old age before getting a response, which no doubt would happen if they could get away with it.

Let’s take a quick minute and examine the other advantages there are with this 30-day response policy.

What’s actually happening behind the scenes is the bureaus are playing the middle man waiting for a response back from the creditors regarding a particular investigation. It is ultimately the creditors that have 30 days or less to respond to the bureaus, who in turn determine if that response is appropriate.

The pro credit repair experts, such as National Credit Care, continuously see indications that either no work or attempted work was done on the investigation request. Instead, the account is simply deleted, without any argument.

Perhaps they discovered that they dinged the wrong person, someone with the same name. Perhaps they couldn’t verify the details being disputed. Or perhaps they just didn’t get around to it in the timeframe they were allotted.

They don’t divulge that information, but as office paperwork tends to stack higher than the Himalayas — especially during the employee shortage due to Covid — letting documents age 30 days would appear to be no challenge at all. In your experience, does the government operate at lightning speed, or slow as snails like the DMV?

So when they are given only 30 days to complete a series of exquisite investigations into their inaccuracies, you can only guess what the result might be. (A nonexistent investigation and a deletion.)

Many thanks to National Credit Care for providing this pro insight. See HERE for the company site.

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