Your new report must show your current payment status. Then the re-investigation is completed, the credit bureau should send you a new and amended credit report within 5 working days of completion according to the Fair Credit Reporting Act.

You can also request for the new corrected report to be sent to anyone who has requested it within six months prior to changes.

If the dispute was not resolved, you can ask for your claim to be included in your file for any future requests from credit providers.

For the particular lender or organisation that lodged a disputed item, you can contact and inform them of your dispute and the subsequent correction so as to prevent them from continuously reporting the same item.

So in effect in this self credit repair process, you want to compare you new credit report with the old which you received prior to your dispute and evaluate how you’ve faired. If you have cryptic answers such as “item verified” against negative items which you wanted removed you can still challenge this as it’s likely the credit bureau you chose has just regurgitated information from your creditors without thoroughly investigating them.

In fact, it is likely they used a method called the eOscar ( I’ll go expand this further later on.) Meanwhile you can visit their website for more information.

Case law has borne out that this method of investigation is not sufficient. In Cushman vs. Trans Union, Stevenson v. TRW (Experian), and Richardson vs. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn’t merely “parrot” information from the creditors and collection agencies. They must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. This is not regarded by the courts as a reasonable investigation.

Also remember that, if your creditor fails to respond, a once negative item should show as positive in your new credit report.