Laws in your Favor

Rapid Rescore - Fast Track

Express FICO Credit Score Correction / Credit Repair

Laws in your Favor

In essence this calls for the deletion of an account if verifiable
by the consumer in writing with proof of the supplied information.
It states 3 days however if they take 30 days they are not breaking any law.
The credit bureau's normally comply when proof is furnished.

Here is the complete Fair Credit Reporting Act

§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(8) Expedited dispute resolution. If a dispute regarding an item of information in a

consumer's file at a consumer reporting agency is resolved in accordance with

paragraph (5)(A) by the deletion of the disputed information by not later than 3

business days after the date on which the agency receives notice of the dispute

from the consumer in accordance with paragraph (1)(A), then the agency shall

not be required to comply with paragraphs (2), (6), and (7) with respect to that

dispute if the agency.

NOTE: Paragraph (1)(a) Does allow 30 days but, because this is a request for an Expedited Dispute with proper proof the 3 days may come into play.

Here is what Paragraph 5(a) states:

(5) Treatment of Inaccurate or Unverifiable Information

(A) In general. If, after any reinvestigation under paragraph (1) of any

information disputed by a consumer, an item of the information is found to

be inaccurate or incomplete or cannot be verified, the consumer reporting

agency shall–

(i) promptly delete that item of information from the file of the consumer,

or modify that item of information, as appropriate, based on the results

of the reinvestigation; and

(ii) promptly notify the furnisher of that information that the information

has been modified or deleted from the file of the consumer.

Here is what Paragraph 1 states:

(a) Reinvestigations of Disputed Information

(1) Reinvestigation Required

(A) In general. Subject to subsection (f), if the completeness or accuracy of any

item of information contained in a consumer's file at a consumer reporting

agency is disputed by the consumer and the consumer notifies the agency

directly, or indirectly through a reseller, of such dispute, the agency shall,

free of charge, conduct a reasonable reinvestigation to determine whether

the disputed information is inaccurate and record the current status of the

disputed information, or delete the item from the file in accordance with

paragraph (5), before the end of the 30-day period beginning on the date on

which the agency receives the notice of the dispute from the consumer or

reseller.