Resources / Dispute operations
30/45-Day Dispute Investigation Timeline Calculator
How to read a 30- and 45-day dispute deadline, and why the delivery date is the right starting point.
What is inside
- Why the clock starts on receipt, not on the day you mail
- Calendar days, weekends and the 45-day extension, explained
- A labeled worked sample with a weekend deadline
Who it is for: Credit repair owners and dispute staff who set follow-up dates for bureau and furnisher disputes.
Preview of the Instagram carousel for this resource.
Questions
Does the clock start when I mail the letter?
No. The clock starts when the bureau receives the dispute, so mail transit comes before the due date. Enter the delivered date from tracking to get the right result.
Will the calculator move a deadline that falls on a weekend?
No. It counts calendar days and shows the date as it falls. Your SOP sets whether you act on that day or the next business day, and counsel should confirm the rule.
SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.