Question 1

How does disputing an item on my credit report work?

Accepted Answer

Under the Fair Credit Reporting Act (FCRA §611), you have the right to dispute any item on your credit report that is inaccurate, incomplete, or unverifiable. You send a written dispute to the credit bureau (Equifax, Experian, or TransUnion). The bureau must investigate, contact the furnisher of the information, and either verify, correct, or delete the item. Reclaim Ur Credit helps you identify disputable items and generate the letters — you review, sign, and mail them yourself.

Question 2

What is the 30-day rule for credit disputes?

Accepted Answer

When you file a dispute, the credit bureau generally must complete its investigation within 30 days (up to 45 days if you provide additional information during the investigation). If the item cannot be verified within that window, it must be corrected or removed. Sending letters by certified mail gives you a dated record of when the clock started.

Question 3

What should I dispute on my credit report?

Accepted Answer

Focus on information that is inaccurate, incomplete, or unverifiable: accounts that aren't yours, incorrect balances or payment statuses, duplicate listings, outdated negative items (most stay no longer than 7 years), accounts with the wrong dates, and unauthorized hard inquiries. Do not dispute accurate, verifiable information.

Question 4

Will disputing items hurt my credit score?

Accepted Answer

No. Filing a dispute does not lower your credit score, and a disputed item carries no score penalty while under review. If an inaccurate negative item is corrected or removed as a result, your score may actually improve.

Question 5

Do results vary from person to person?

Accepted Answer

Yes. Outcomes depend on the accuracy and verifiability of the information on your report and on decisions made by the credit bureaus and the companies that furnished the data. No tool or service can guarantee that a specific item will be removed or that your score will change.

Question 6

How long until I see results from a dispute round?

Accepted Answer

Most people hear back within the bureau's 30-day investigation window (occasionally up to 45 days). If an item is verified and stays, you can escalate in a follow-up round with additional evidence or legal citations.

Question 7

Is Reclaim Ur Credit a credit repair company or law firm?

Accepted Answer

No. Reclaim Ur Credit is a do-it-yourself software tool. We are not a law firm and not a credit repair organization, we do not give legal advice, and we do not perform credit repair on your behalf. You stay in control and submit your own disputes.