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Ask Law Educator, Esq. Your Own Question
Law Educator, Esq.
Law Educator, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 118648
Experience:  Attorney experienced in commercial litigation.
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Have a couple questions regarding credit repair

Customer Question

have a couple questions regarding credit repair
Submitted: 1 year ago.
Category: Consumer Protection Law
Expert:  Law Educator, Esq. replied 1 year ago.
Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.

What is your question for us?
Customer: replied 1 year ago.

When a delete request is made of the one of the 3 cra's, does each cra no longer report the negatives during the investigation period?

Expert:  Law Educator, Esq. replied 1 year ago.
Thank you for your reply.

No, the negatives are reported until the dispute is resolved, which under the Fair Credit Reporting Act would be 30 days from the dispute (not more than 45), since the creditor has 30 days to respond and refute your dispute and then it takes the reporting agency about 10-15 days to remove the negative remark.

It is not removed pending resolution of the dispute though I am afraid. This would allow consumers to temporarily change their credit reports by just filing complaints or disputes.
Customer: replied 1 year ago.

is there a notation that is reported to any inquiry's regarding disputed reports and if so what does it say?

Expert:  Law Educator, Esq. replied 1 year ago.
Thank you for your reply.

They do not put any notations on the report about a dispute. They do not change the report until they make a determination on the dispute.