Free tool
Dispute deadline calculator
Under the Fair Credit Reporting Act, a bureau generally has 30 days from receipt to investigate a dispute (45 days if you add information mid-investigation). This tool estimates those dates. It is not a filing and not legal advice.
30-day investigation due
—
Typical FCRA window from receipt. If you only have a mail date, this uses receipt + 5 calendar days in transit.
45-day window
—
Applies if you sent more information during the investigation. Silence past this date is worth documenting.
Educational estimate only — not legal advice. The statutory clock starts when the bureau receives a complete dispute, not when you drop it at the post office.
How to write and send the letter: dispute credit report errors. If the window closes with a rubber-stamp “verified,” the next venue is often a CFPB complaint.
850ai tracks these clocks per account after you approve a send. You can still run the whole process yourself with certified mail and a calendar.
Frequently asked questions
When does the 30-day FCRA clock start?
When the bureau receives a complete dispute — not the day you mail it. Certified mail with a return receipt gives you that date.
Why is there a 45-day date?
If you send additional information during the investigation, the bureau generally gets more time (up to 45 days).
What if the deadline passes with no response?
Document it. That silence is one reason people request method of verification or file a CFPB complaint. It is not an automatic deletion.