The credit bureaus have 30 days to process dispute letters. To deliver results at the best possible pace we send out rounds of credit bureau disputes to the bureaus every 35 days. This allows time for the processing cycle plus a very modest buffer.
Your Timeline Matters to Us
A dispute cycle of 45 or 60 days offered by many credit repair companies prolongs the effort and increases the cost to you. On the long end of the spectrum, a company sending disputes every 60 days is effectively charging double for the work they could do in the same amount of time, while your results roll in at half the pace.
Working With Bureau Tolerance Levels
You can dispute as many of your issues as you wish; there is no stated limit to the number of items you may include in a dispute letter. But dispute letters sent with excessive items listed are highly likely to be dismissed outright as frivolous. The Fair Credit Reporting Act (the legislation that dictates how credit bureaus must manage consumer disputes) gives the bureaus subjective license to deem disputes as frivolous for many reasons.
The Right Pace
We find that dispute letters listing up to 5 items are rarely rejected, whereas exceeding that number creates a very significant statistical increase in the frequency of rejection. To optimize the value of our credit repair services we dispute 5 items per bureau (15 items in total) per dispute round.
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Customized disputes and re-disputes, and statute of limitation research, all contribute to our uniquely effective program.