Credit Advice

Accounts are not deleted during the 30-day dispute time period


Have a question?

Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

Our policies
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.

Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.

Credit Advice

Accounts are not deleted during the 30-day dispute time period

Dear Experian,

Recently, I attended a training on "understanding a credit report." I'm not sure about something that was said. We were told that during a dispute, the disputed item is removed from the report for 30 days, hence many of the fraudulent "credit fixing" agencies state that they can clean up your credit, only to find that the item returns after 30 days if not successfully disputed. A co-worker in our lending department swears this is incorrect and nothing is ever removed, even temporarily, from a credit report. Can you give me the true answer?


Dear NDE,

When a person disputes a missed payment on an account under the Fair Credit Reporting Act (FCRA) it is not deleted from the credit report during the dispute period.

If a person disputes the status of an account with Experian, we will contact the source of the information, usually a lender, which is then required to check its records and respond.

The dispute process can take up to 30 days to complete. During that time, the account still will appear on the person’s credit report. The information would not be removed. The response must be to delete the account, update the information, or make no change.

So, credit repair organizations that tell consumer that they can have an account temporarily removed by disputing it with the credit reporting company are incorrect.

Thanks for asking.

- The "Ask Experian" team

  • © 2016 Experian Information Solutions, Inc. All rights reserved.