After you dispute — the bureau has to contact the creditor 👇 📋 The bureau reaches out to the original creditor 📋 The creditor must verify the item is accurate 📋 If they can't verify it — it must be removed by law Here's the secret most people don't know: Many creditors don't even respond. And when they don't? The item gets deleted from your report. 🗑️ This is why disputing works — and why so many of our clients see results in 30–45 days.