Volume 4, Edition 12, December 2008

This Month’s Challenge is sponsored by:

FETCH Technologies



Answer: D. The FCRA does not provide a time restriction relating to how long a consumer has to initiate a dispute. Accordingly, the best practice is generally to open a dispute and conduct a reinvestigation whenever a consumer raises a dispute. That being said, it is essential to have good communication with your end-user so that it understands the consumer may have recently moved to expunge or changed a record; but that at the time of the initial report, the record was current public record at the time.

How long does a consumer have to file a dispute with a CRA?

A. One Month
B. Three Months
C. Twelve Months
D. A CRA should always investigate a consumer dispute.



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