Check your updates when they're ready.
After you file a dispute, the reporting agencies will contact the data provider or information source. That source has a reasonable amount of time to investigate and verify the information. If you check your dispute status online during this time, you'll still see the uncorrected version of your credit report.
When you have a pending dispute, it's best to wait to apply for credit. This ensures creditors or lenders have the most up-to-date report. If the data provider or source can’t verify the info, it will be corrected or removed from your credit report. Otherwise, it will be updated as instructed by the data provider. There are two ways you can see these updates, depending on how you filed:
You'll get an email to let you know when you can view your results.
- Phone or Mail
You'll receive a updated credit report via first-class U.S. mail 3 to 5 business days after the investigation is finished.