Ways You Can Win A Credit Card Lawsuit…And It Has Nothing To With The Law

Think you need a lawyer to win against the big bad debt collector wolves? Think again.

Here’s something that most debtors dealing with credit card lawsuits do not know: A defendant has the ability to win a lawsuit against junk debt buyers simply by showing up in court till the very end. You don’t need an expensive lawyer who you’re paying by the hour.

In this blog, we highlight some ways you can hold a firm ground against debt buyers such as Portfolio Recovery and Midland Funding – and it has nothing to do with the law.

The Location of the Debt Collector Lawyer’s Office

You may think that it is a little strange that the location of the debt collector lawyer’s office can potentially make a difference in your lawsuit. More often than not, junk debt buyers employ only two to three law firms to undertake their cases. These junk debt buyers are normally dealing with a hefty volume of such cases, mostly employing just two or three law firms to represent them. This means they would want to get over with your lawsuit as soon as possible because they are pressed for time.

As the lawsuit must be filed near defendant’s location, often debt collector’s attorney end up traveling to an area which is quite far away from the office. In most states, lawyers and attorneys bill the traveling time along with their usual fee. Thus, if their office is several hours away from your home district, debt collector may drop the lawsuit and decide that the case is not worth all the financial resources they are putting in. They may move forward to dismiss it, or settle it on a low-ball settlement.

The Busy Schedule of the Debt Collector’s Lawyer

As mentioned before, debt collector organizations only hire two or three law firms. These debt collection law firms usually comprise of a handful of attorneys who are supposed to do be filing for more than 3,000 cases! So if you happen to have a trial date where the debt collectors don’t have a lawyer to represent them due to pressing work schedule, they may choose to dismiss the case or elect to offer low settlement.

This further goes to mean that by simply being present in the court, you can potentially win the case. You can read about more such tactics and strategies in our carefully developed legal content which includes eBooks, articles, and blogs. Order our best-selling “The Discovery Package” and “The Defendant Package” today and gain a comprehensive knowledge of your rights as a debtor. midland credit management lawsuit

Why You Shouldn’t Be Too Worried When Fighting Against Midland Funding

Getting sued by a debt buyer such as Midland Funding can feel frustrating and intimidating. You may not know how to deal with the case, let alone win it. In this blog, we discuss three advantages that you have as a consumer. These advantages will equip you with tactics to not only battle this lawsuit, but win it too.

Read on to find out how!

Mistakes made by Debt Buyers

Most cases fought by organizations like Midland Funding are similar. Debt buyers and the law firms representing them have a large volume of related cases in process simultaneously. Due to the sheer volume of cases and case to attorney ratio, it is likely for mistakes to occur. If these mistakes are pointed out, the court will hold them accountable for it. You can also sue them for harassing you with lack of evidence and false statements. Make sure that you are in a position to capitalize on it. You will only be able to do so if you have a firm grip over your rights as a debtor.

Know that the Law is on Your Side

This may sound astounding, but if you pay attention to the finer details of the laws pertaining to your situation, you will understand that there are numerous laws that protect your right as a debtor. Lawsuits filed by debt buyers usually do not have enough evidence which allows a judgment to be entered against you in courts. However, over 90% of debt buyer lawsuits result in a default judgment against the debtor. This is because the debtors don’t act in a timely manner. They simply do not answer the summons. This way, Midland Funding doesn’t have to prove a thing, ultimately winning the case. Thus, you need to take charge and read every educational resource you get on your lawsuit to fight for your right.

File Bankruptcy

Even though debt buyers can still sue you, filing for bankruptcy can increase your chances for a reduction of part or whole of the amount you owe them. However, it is important to note that you can’t use bankruptcy to get out of other types of debts, such as child support, alimony, and student loans.

At How to Win a Credit Card Lawsuit, we offer our customers an array of eBooks, articles, and blogs which are loaded with vital information, strategies, and tactics that can be employed to get out of a lawsuit. To purchase our best seller eBook, The Defendant’s Package, please click here.

What Is A Stipulated Judgment, And Will It Work In Your Case?

When you legitimately owe a debt, you may simply want to agree to a settlement with the credit buyer and get done with it. Creditors usually agree to negotiate a settlement as well. However, if the plaintiff has already filed a lawsuit, they will often want you to sign a ‘stipulated judgment’ as an accessory to the settlement. In this blog, we aim to provide all the necessary information regarding stipulated judgment, and pros and cons of entering it.

What does a Stipulated Judgment Mean?

A stipulated judgment is signed when both – the plaintiff and the defendant – agree on the terms of judgment. As a defendant, agreeing to a stipulated judgment would mean that you are forgoing your right to a trial. You will also be bound to the terms negotiated in the judgment.

The standard agreement usually states that the defendant is agreeing to pay a fixed monthly amount or a lump sum, which should ideally be less than the actual debt. The plaintiff agrees not to deviate from the stipulated judgment as long as the defendant keeps up their end. It must also be noted that the creditor is protected in stipulated judgment. This is because if you default on payments, they have rights to a full payment without having to go through a trail.

Why Creditors Want You to Sign a Stipulated Judgment?

A creditor would want you to sign a stipulated judgment because its terms and conditions go in his/her favor. By the virtue of a stipulated judgment, they get the money, and they are protected if you default on your payments. A stipulated judgment eliminates the risk factor out of the equation for a creditor.

Pros of Agreeing to a Stipulated Judgment

Signing a stipulated judgment works for the defendants who legitimately owe debt to the creditors. It allows you to enter an agreement where you have the flexibility over mode and methods of payment of whatever amount is agreed. Opposed to a trial, a stipulated judgment allows you a level of control over your situation.

Cons of Agreeing to a Stipulated Judgment

The biggest downside to signing a stipulated judgment is that you are waiving your right to a trial. If you fail to pay the agreed amount for whatever reasons, the creditor gets the judgment in their favor without the hassle of going through a trial.

In short, a stipulated judgment is your creditor’s insurance policy will only be cashed if you default. Learn about more legal issues and credit card debt situations in our best-selling eBooks, the Defendant’s Package and the Discovery Package.

Not Doing Anything About Your Credit Card Lawsuit Won’t Help You – Doing This Will!

Suing for credit card debts is an affluent business. This is mainly because most people do nothing after receiving a complaint. When a creditor files a lawsuit against you, all they need to do is claim that you owe them money. If you do nothing after receiving the notification that a lawsuit has been filed against you, the court will perceive your silence and inaction as an agreement to all the claims filed by the creditor. The court will then pass a judgment in creditor’s favor, and you will end up entering a never-ending cycle of paying the debt collectors – that you may or may not possibly owe.

If you have received a Summons or a Complaint, and are confused about what to do, just give this blog a thorough read.

Mark your Dates

Keep in mind that you have a limited amount of time to take action. A defendant is given a time period of about 20 days from the moment they receive a complaint to file an answer. Thus, it is important for you to mark or save all the important dates in your calendar.

Review the Claims

Make sure that you read the complaint completely and carefully. It will give you valuable information regarding what you are up against. You may also find that some claims aren’t true. You will only be able to draft a comprehensive answer if you have gone through the complaint in its entirety.


Organize any documents that you may need to prove your answer. Sift through your bank statements and credit card bills to extract as much information you can so that your position in the lawsuit is strengthened.

Show up

Gather as much information as you can on your lawsuit and show up to file your answer within the time frame provided. Remember that a phone call does not make for your physical presence, so be there at the right place on the right time. Most of the times, the plaintiff decides to drop the case or agree to settle on a reduced amount then mentioned in the claim because they don’t want to drag the case because it isn’t financially viable. If you ignore the first complaint, or fail to be present at the trial, you will be a court defaulted.

Understand that you have a limited amount of time to act once you receive a Complaint or a Summons from your creditor’s lawyer. You very well have the capability of fighting this lawsuit. All you need to do is have all the information in pertinence to credit card lawsuits. If you’re looking for a strategy to win, we have just the right solution! Take a look at our developed legal content in the form of eBooks, blogs, and articles on our website. You can also grab your copy of The Defendant Package.

Being Sued By Midland Funding? Don’t Press The Panic Button Just Yet!

It’s easy for people to go past the due date on their credit card debt, due to a number of reasons. Once that happens, the debt will be usually sold off to another company, i.e. a debt collection agency. Midland Funding is the company that buys your credit card debts and it’s them that issue a credit card lawsuit. All of this however is just the tip of the iceberg.

1What Midland Buys When It Buys an Account

When it all comes down to it, the real issue isn’t that the new company hires other agencies to collect the debt. It isn’t even that debts are sold to other companies in the first place! The real problem lies in all the parties involved in the sordid matter not really knowing what is owed by whom.

When Midland Funding purchases your old credit card debts, the company wants to pay as little as is possible (that helps boost profits on each collected credit card account). The credit card companies on the other hand want as big a slice as possible, so that little loss is incurred on unpaid accounts.

Midland Funding takes the middle ground and compromises by buying only an electronic file of addresses, names and the amounts due from the credit card companies. It isn’t that the company can’t gain more information, only that it would cost more.

The Midland Funding Business Model2

Once the account is bought by Midland Funding, its cousin Midland Credit Management will try and collect the debt, hoping the consumer will pay-up voluntarily. Some debtors do while others don’t which is how people see themselves on the end of a lawsuit.

Why Midland Funding Gets Judgments So Often

People simply fail to show up in court or defend the lawsuit most times when sued by Midland or some other debt buyer. Seeing as there’s no opposition, the judge grants a positive judgment to Midland Funding and once its issues, the credit debt buyer collects the outstanding debt through bank account levy, wage garnishment, and other such tactics.

3Why Defending a Midland Funding Lawsuit Makes More Sense

This is one reason (and a very important one): people should defend a lawsuit by Midland Funding. Not only do the credit debt buying company don’t collect much documentation or proof, i.e. copies of credit card statements and applications when it buys old debt; but they also don’t expect people to answer summons to a credit card lawsuit in the first place! So if you decide to fight back, you have a big chance of winning, too!

This can be taken as an advantage and with the help of HowToWinaCreditCardLawsuit.net, a judgment in your favor is guaranteed.

How to Repair Credit after Credit Card Lawsuit

The goal of this article is to provide concise answers to some basic credit repair questions, and provide strategies to legally repair your credit score after late credit card payments, and/or judgments have negatively impacted your credit score.

Entering the term ‘credit repair’ into Google yields over 240 million search results. As you probably know, there is no shortage of information or misinformation on this subject the Internet. We specifically put together this information at the request of many of our visitors who have written us frustrated with finding easy-to-follow credit repair strategies after a credit card lawsuit.

We will first answer some of the most common questions posed by consumers recovering from negative credit situations, and move on to proven credit repair tips and strategies.

Credit Questions & Answers

Q: Can I clear my late payment history by paying off my credit cards?

Unfortunately, your history will remain on your report for some time. Anyone looking at your report will see that your accounts are up to date and paid, but that they were paid late. Paying off your credit cards is still useful and a great way to start repairing the damage.

Q: I owe less than $5000. Why is my credit score lower than people who owe much more?

The reality is, your credit score is not based on the amount you owe but rather how you repay the debt. Late and missing payments have a significant effect on your score. Collection suits for defaulted accounts have even more of a negative effect as you would expect. A person may have $20,000 but they pay on time, every month and their debt isn’t rising as a result. Someone who has $500 debt but misses payments regularly can expect their credit score to plummet.

Q: I’m applying for a mortgage with my wife. Her credit is good but mine is not. Will this affect our application?

When applying for any kind of joint account, lenders analyze the credit scores of both parties. Your application may be at risk if one of you has a low credit score. If you have been pre-approved, you may end up paying a much higher interest rate.

Most mortgage lenders actually use a mortgage reporting company that merges all of the credit histories into one. These reporting companies include information not only on your direct credit history but also your employment history, savings and investments, whether you have owned a property before and how many times you have moved. You can contact mortgage reporting companies to request their report before you submit a mortgage application. This may give you a better idea of where you stand and how your credit scores may affect the application.

Q: My ex-wife is filing for bankruptcy. Will this affect my credit score?

Not necessary. Her bankruptcy will not show on your credit report. Any debt she has incurred since the divorce will remain her own unless co-signed by another party.

However, the situation gets a little more complicated if debts were accrued while you were still married. Although these debts on her part will be discharged by the bankruptcy, the lender may still look to you for payment. If you find yourself in this position, it may be a good idea to seek the advice of an attorney experienced in these kinds of complicated cases.

Q: After a serious accident I’m going to be left with large medical bills. The hospital will not accept a monthly payment plan. I’m still not sure how I’m going to pay them. I’ve heard that medical bills don’t show up on credit reports. Is that true?

Unfortunately not. Credit reporting agencies wait 180 days before adding medical debt to your credit report. That gives you time to receive the complete bill and arrange payment. If payment isn’t made after that point, the hospital will likely hand over your account to collection and this will show up on your credit report.

Collections are to be avoided at all cost in order to protect your credit score as they can be very damaging. At this point, medical collections are just the same as any other collection account.

Instead of letting it go to collection which will have a negative impact on your credit, why not consider a small loan to cover the costs which can be paid off steadily each month.

Q: My credit score is very low. Will I ever be given credit again?

Your credit can definitely be built up over time. Negative items will eventually be removed once the accounts have been closed and no further negative history has been added.

Therefore, the key to clearing your credit is to arrange your finances so no new negative items are added to your credit report. If you can keep up with payments from now on, not let anything go to collection and pay bills on time, your credit score will gradually improve and you will have a greater chance at getting credit.

Credit Repair Strategies

STEP 1: Order your free credit report

Federal law allows consumers to receive a free copy of their credit report once a year. You can request this directly from one of the three main credit reporting agencies: Experian, Equifax, and TransUnion or by going through www.annualcreditreport.com.

Alternatively, you can contact the reporting agencies over the phone at the numbers below:

  • EQUIFAX: 1-800-685-1111
  • EXPERIAN: 1-888-397-3742
  • TRANSUNION:1-866-887-2673

You may also call the Central Distribution Number at 1-877-322-8228 to get all three reports.

STEP 2: Carefully read and analyse your report.

Examine your report thoroughly in order to check for inaccuracies and errors.

Each reporting agency differs in the way they present the information but all three will include details regarding:

  • Personal information (full name, address, employment, social security number etc.)
  • Account details and status (types of accounts held, credit limits, paid or past due etc.)
  • Public records (e.g. bankruptcy)
  • Requests for your credit history (hard and soft inquiries)

The report should also include a key or explanation section to help you interpret the details.

Usually the report includes a summary to give you an outline of your credit status. It also separates the healthy accounts from the negative ones which makes its interpretation a little easier.

It may sound strange but checking your social security number is of vital importance. If somehow the SSN is out by just one digit, it could lead to your credit report being merged with someone else’s.

STEP 3: Scrutinize any negative items.

First, verify that there are no duplicated accounts or items. According to the law, you should be notified when any creditors place negative listings on your credit report. In view of that, you should be aware of everything listed on your report. If your creditor has not notified you about any of the items, you should contact the creditor requesting its removal, citing their violation of the Fair Credit Reporting Act.

While checking negative items on your report, confirm creditor names, dates and balances. Also, be sure to check that recent payments are showing up on your accounts. It sometimes takes time for the credit grantor to send the information and for the reporting agency to update their records.

Make sure that all of the information matches your personal records.

Check that old collections and negative information has been removed. The law states that negative information older than 7 years and bankruptcies older than 10 years cannot be reported and must be removed.

STEP 4: Report discrepancies and inaccurate information.

If you have found incorrect information or duplicates on your report, you have the right to dispute that information. This is the most important thing you can do to repair your credit. Federal law places the burden of proof of reporting accuracy on reporting agencies. If they cannot find evidence to support negative items on your credit report, they must remove such items.

The main credit reporting agencies now enable disputes to be filed online and this is quickest and most convenient way to do this. Fill in the online forms and submit your dispute with as many details as possible. You will be able to upload copies of receipts, payments, and statements to support your dispute.

If you would rather, you can also file a dispute by mail. The company websites outline instructions if you decide to do it this way.

You should hear back regarding the results of the investigation between 30-45 days. In the meantime, you can check your dispute status online. When the credit reporting agency inform you of their decision, they should also send you a copy of your amended report. Be sure to check all of the details again.

If negative items are removed from your report, you can be sure that your credit score will improve. How much it improves depends on what negative items are removed. Some items such as bankruptcy, foreclosure and repossession are more damaging than late payments and credit rejections, although every little bit helps.

Step 5. Stay Persistent!

If you have not heard back from the reporting agencies in 30-45 after you request for removal, or your credit report is still showing erroneous information, contact them again! Reporting agencies are typically very good at responding, but it’s not unusual to have to make multiple attempts to have information corrected.

Step 6: Keep it clean!

Whether or not you manage to remove some damaging information from your credit report, one thing everyone can do to repair their credit report is to make sure no new negative items are added to it from now on.

To do this, make sure you:

  • Pay all bills on time.
  • Keep credit card balances low.
  • Open accounts and apply for credit only when absolutely necessary. Each credit inquiry will be listed on your report and high numbers of inquiries can affect your score.

Also, subscribing to a 3 in 1 credit monitoring service such as truecredit.com allows you to keep an active eye on your score, and identify any problems quickly. The service allows you to update and review your credit score every 24 hours, so you’re always up to date.

If you can keep on top of your finances from now on, gradually your credit will repair itself. Remember to check your credit report each year and follow these steps to keep your credit in good shape.

Motion for Summary Judgment Checklist

The purpose of this article is to outline all the steps needed to successfully draft a motion for summary judgement. It is important that you look up the court rules and procedures before starting this draft. It is also important to only move forward with this motion if you feel you have a strong argument that the court should dismiss your case. If you file a motion for summary judgement too soon, you run the risk of annoying the court. This may hurt you with future motions, or with your case in general.

Remember, it is very important to include everything that’s checklist below as it improves your chances of winning your motion.

Motion For Summary Judgment Checklist

✔ Proper court title along with the caption.

✔ Title: MOTION FOR SUMMARY JUDGMENT, with the appropriate rule cited.

✔ State that there are no genuine issues of material fact in the complaint.

✔ State that you are entitled to a summary judgment as a matter of law.

✔ State that the discovery process is not pending and will be completed by the time that the motion for summary judgment is heard.

✔ Include a statement that is similar to the following: “The plaintiff sued the defendant for a supposed default on a credit account. The defendant provided and filed a timely and complete answer that denied each material allegation. The defendant then demanded strict proof of each allegation.”

✔ Include arguments and analogies from case law that you provide in your memorandum.

✔ Include a subtitle for the memorandum that you are including. Format the title the same as the motion title and center it on the page.

✔ When providing arguments using case law, be sure to connect each argument to a factual statement. All of the arguments or analogies you provide should lead clearly to the fact that your motion for summary judgment should be granted.

✔ Include examples from case law that clearly define why, when, and how the court must grant your motion for summary judgment.

✔ Finish your motion with something similar to the following: WHEREFORE the defendant requests the court to grant the summary judgment against the plaintiff. (You may need to adjust this depending on what your summary judgment or motion is requesting.)

✔ Then include: DATED this _______ day of [Month] [Year].

✔ Then include your signature.

✔ The following page should have another captioned title like this: AFFIDAVIT IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT.

✔ The following page should have another captioned title like this: ORDER.

✔ Finally include your certificate of service.

Below are samples of motions of summary judgement that successfully used in Texas and Oklahoma courts.

Oklahoma Example Motion of Summary Judgement

Texas Example Motion of Summary Judgement

How to write Cease and Desist to Collection Agency

A cease and desist letter tells a collection agency to never contact you about your debt again. You’ve probably read that this is a powerful tool to get debt collectors off your back. Is it the best thing to do?

Little do people know that by sending the collection agency a cease and desist letter, you are leaving the collection agency with only one option: to file a lawsuit and have you served.

Cease and desist letters, first of all, let the collection agency know that you are the person they are pursuing and gives away the fact that you live at the address they sent the letter to.

So, now they know that you want no further contact, they know that you are the one they want and they know you live there. You have given them no other option but to sue you.

So think twice before sending a collection agency a cease and desist letter. Quit reading message boards that tell you to send a cease and desist letter.

A cease and desist letter should be used by people who know that their debt is way past the statute of limitations and they have proof to back that up so that when they are sued, it will get dismissed. But then again, if you know that the debt they are trying to collect is past the statute of limitations, why bother sending the cease and desist? Why not ignore it entirely? It’s your choice.

Do not assume that because you sent them a cease and desist letter that they just throw your debt out the window, because they don’t. They turn around and sue you because you basically told them to; you’ve left them no choice. You told them not to contact you anymore you so you forced them to sue you.

I cannot stand people on message boards who tell consumers to copy and paste some cease and desist letter or that this is some powerful tool to eliminate your debt. It’s not. It’s just a tool they can use to win against you.

Think twice before using a cease and desist letter because, yes, it is a powerful tool but for them, not you.

What Happens if I do Not Respond to Summons

I got this from a collection lawyer’s website and it is quite scary how fast these guys come after you once they have received judgment against you.

It’s sad that most of the people who are sued by a collection agency just don’t fight back. Why? The odds are they don’t have anything on you and if they do have something on you, there’s always something wrong with it.



Time Span


Suit filed

Within 2 days of receipt of costs

Summons served

Normally within 14-28 days of filing suit

Filing for default

20 days after service of summons

Entry of default

14-28 days from filing *(unless court requires hearing which could add 30 additional days)

Issuance of execution:
bank garnishment
wage garnishment
sheriff’s levy

Anytime after entry of judgment

Return on execution:
bank garnishment
wage garnishment
sheriff’s levy

Normally within 20 days from service of garn
normally within 20 days from service of garn
90 days from issue date***

Proceedings supplemental

Anytime after 10 days of judgment entry; varies by county but generally can be requested every 90-180 days to examine debtor



Remove Inaccurate Information from Credit Record

For many years now, businesses and employers have been using credit scores to evaluate applications for employment, credit, insurance and housing. They use this score to determine what kind of risk you might present to them in the future.

As a result, your credit score could have a massive effect on how you reach the major goals and milestones in your life. Your credit report itself contains information related to your address, how you pay your bills and credit cards, and whether you have had any judgments filed against you in court.

Therefore, it’s a vital to check the accuracy of what your report contains before being faced with the possible embarrassment and distress of having an important application rejected.

The Fair Credit Reporting Act allows consumers to request a free copy of their credit report once a year from each of the three credit reporting agencies – Equifax, Experian and TransUnion.

However, it’s unsurprising to learn that errors on credit reports are not uncommon. Some are minor and then others can be quite significant.

If this occurs, you have the right to request that the information be removed from your report.

You can report the inaccuracies to both the credit reporting bureaus and the original reporting creditor.

Step One

Initially, you might want to try calling the creditor directly. If they recognize that the information is incorrect, they are required to update both their records and the external records held by the credit reporting agencies.

Follow any phone calls up with a letter summarizing and confirming information in the telephone call.

Step Two

If you cannot resolve the issue with the creditor, you will need to contact the reporting agency. Ultimately, according to the law, they have the responsibility to report accurate information. Contact them to inform them of the inaccuracies you have found.

It is vital that you include proof to back up your claims that the information is inaccurate. For example, you should include copies of receipts, paid off accounts, check payments, or settlement agreements etc.

To add weight to your dispute, your letter should also mention the negative consequences of the inaccurate report. For example, were you turned down for a loan, mortgage or credit card? Have you had difficulty being approved for an apartment? Are you paying higher interest rates? Those are just some of the effects of having a poor credit report.

Below you will find a sample letter that you can send to the credit reporting agency. Use this as a guide to write your own letter. This can also be adapted to send to the reporting creditor.

Your Name
Your Address

Credit Bureau
Bureau Address


To Whom it May Concern:

RE: Removal of inaccurate information on credit report

This letter is a formal complaint that your bureau is reporting inaccurate information and a request to rectify your records urgently.

On receiving my credit report dated _________, I was very concerned and upset to find the following incorrect information:

[insert incorrect information in detail
e.g: CREDITOR – Account #123-34567 – defaulted account ].

Enclosed with this letter are copies of [insert document types] proving that above is incorrect.

Due to this inaccuracy, I have recently been denied credit for [insert type of credit]. As you can imagine, this was highly distressing and has had a negative effect on my family’s life.

As I am sure you are aware, laws exist to ensure that bureaus only report accurate credit information. As it appears that inclusion of this information has occurred in error, either by you or the reporting creditor, I would like to request its immediate deletion in accordance with the law.

I eagerly await your confirmation.


Your signature

Social Security Number:
Enclosed: [list copies of documents being sent with the letter]

Once you have completed your letter, mail it to the credit reporting agency and/or creditor by certified mail.

If you file a dispute with a credit reporting bureau, they have the responsibility to inform the other agencies of the changes. However, this could take some time, so if you are in need of urgent changes to your report, you may want to file disputes with each of the three main credit bureaus.

After mailing your letter to file a dispute, you should receive notification of the result within 30-45 days. Along with their response, the credit reporting bureau is also required to include a free copy of your credit report as confirmation. (This is in addition to your free yearly report).