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Response time


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I read on the last page of one of my reports that if I sent disputes based on a free credit report, then I should hear back in 45 days; But, if I sent disputes on a report I paid for, I only have to wait 30 days. Does anyone know anything about this?

Should I have paid for my reports in order to give them less time to get a response from the debt collectors?

Should I pay for the reports for my future disputes?

When should I realistically expect a response?

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