How long does a creditor have to respond to your dispute?

[Anonymous]

I have read in these forums that it can take up to 30-45 days but my fiancee works for a bank and is adamant when she tells me that it is up to 10 days. She has even shown me dispute forms from this bank that say 10 days. I thought it was a company policy but she says that it isn't and that they are going by various CRA rules. So does anyone know what's going on here? Thanks

[Anonymous]

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Quahog wrote:
I have read in these forums that it can take up to 30-45 days but my fiancee works for a bank and is adamant when she tells me that it is up to 10 days. She has even shown me dispute forms from this bank that say 10 days. I thought it was a company policy but she says that it isn't and that they are going by various CRA rules. So does anyone know what's going on here? Thanks

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If you are talking about a dispute that you filed with the CRA..........the CRA has 30 days, sometimes 45 days.

The 10 day rule may be something between the CRA and the bank.

[llecs]

There are no legal time limits set for creditors (OC or CA) to respond, on the federal level anyway.

[Anonymous]

That's what I thought. Thanks for the information

[Anonymous]

Her 10 days is likely a Company policy-

This is VERY true if they do not get disputes electronically-

The CRA's literally mail the Dispute out, must be answered and returned to the CRA-