Step 4: Sit back and relax.
The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of their results and send you a copy of your updated report. It usually takes 60 days from the day we send a dispute to the day you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to Credit Repair Systems, Inc. The cycle begins anew, this time hopefully with fewer questionable items.