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How long does it take for a disputed or negative item on my credit report to be updated?


Depending on the nature of the material being contested, it could take a day or more. However, whenever a delay occurs, it is usually due to the entity that reported the information taking a long time to react to the credit bureau. 

The credit bureau is required by law to examine any dispute and remedy any error within five working days of receiving a complaint or notice of dispute.

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