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What Should You Do When the Credit Reporting Agencies Fail to Respond?

Posted on November 24, 2010

You’ve put forth a lot of work in repairing your credit. You have filed your disputes with the credit reporting bureaus. You figure you have it all taken care of until weeks pass by and you have received no reply from the credit bureaus.

Credit bureaus have the legal obligation to reply to your correspondence within a 30 day time frame. The Fair Credit Reporting Act states that the bureaus must have their investigation completed on your behalf within four weeks. In some cases things do not go as planned. So what do you do now?

Check With the Post Office

Hopefully, you mailed your disputes via certified mail and requested a return receipt. You can use the information to track your mail and confirm the companies have in fact received your documents. If you have been able to confirm the papers were received in a timely manner, you’ll have to follow the rest of these steps below. If you can not confirm the delivery, speak with the Postmaster to determine what should be done next.

Check Back with the Credit Bureaus

The Fair Credit Reporting Act is very clear that the investigation should be done and you receive contact within 30 days. If that does not happen and you receive no reply, the credit bureaus must remove the negative listings from your credit report. If the credit bureaus do not make contact and do not remove the data, they stand in violation of the laws.

Put on the Pressure

In the event you get no reply, the credit bureau must remove the negative information you disputed effective immediately. This will benefit your credit score and attempts at credit repair. It is up to you to stay on task and follow up with the credit bureaus. You can send them a letter via Certified/Return Receipt Requested. Keep a copy of the information you are sending.

What to Include in the Letter

Be sure to create a professional-looking letter that contains your return address. You’ll want to inform the credit bureau that they have failed to reply to your initial correspondence and list the date of your first contact. Restate the FCRA law pertaining to the 30 day rule and put them on notice that they will be in violation of the law if they fail to remove the data. Let them know you have kept detailed notes and copies of all correspondence pertaining to the matter.

Keep a professional tone and request that the matter receive immediate attention. Enclose copies of your original correspondence that verifies the 30 days has passed. You should relist the accounts that should be deleted from your credit report due to the lack of response. Be sure to include your name and Social Security number for easy tracking.

Following up on your credit repair tasks is key to successfully repairing negative credit and boosting your score. This is a job any consumer can do on their own without the costly expense of credit repair service companies. Being proactive in your efforts will help you bring your credit back on track in a faster period of time and make you more aware of how to best handle your financial obligations.

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