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Discussion in 'Credit Talk' started by fingrrrl, Jul 9, 2001.
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I was wondering the same thing. Do you have to send a letter to them explaining that their 30 days are up?
By law, you really don't need to send them a letter reminding them of the 30-day rule. However, in some cases, you may have to remind them.
In my cases, the CRAs have simply deleted at the end of the 30-day limit without any reminders.
Whether the info is accurate or not, it must be removed (if requested) if not verified by the creditor.
The only time it is necessary to send a second letter, is when the desired results have not been accomplished. If you get no response after 35-40 days send a second letter reminding them.
The entry must be deleted if the creditor does not verify the information. The creditor is supposed to respond to the dispute w/in 5 working days but the bureau's generally give upto 30 days. However, that does not prohibit the creditor from placing the derogatory back on after it has been deleted. This is more likely to happen on an active account that is being reported by the creditor electronically to the credit bureau on a regular basis.