When Is The Best Time To Dispute Credit Reports

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To dispute a credit report, you will need to file within 90 days of the original disputed item. This is because once an individual files a fraud claim with their bank, they must wait 30 days for that fraud claim to be reviewed and verified by the creditor before any new charges can go onto the consumer’s account. This stands true whether or not your fraud complaint was filed through Experian’s Fraud Center or if it was filed directly with one of the major banks (Bank Of America, Chase, Citibank etc).