The clock starts when the credit reporting agency receives the dispute. The reinvestigation generally runs 30 days; the order's receipted timeline notes a 45-day condition when the report came through AnnualCreditReport.com.
The reinvestigation timeline
What can change the endpoint?
The order's timeline treats 30 days as the standard reinvestigation period and identifies the 45-day AnnualCreditReport.com condition. When you evaluate your own date, preserve proof of when the dispute was received and any later information you supplied.
What closes this part of the process?
Written results report the outcome: deleted, updated, or verified. The timeline in the governing work order places those results within five business days after the reinvestigation.
Keep the dispute, delivery proof, supporting evidence, and results together. The receipt is more useful than a date remembered from memory.
