Credit Repair and Credit Bureaus

Getting Started

If you're mailing letters to credit bureaus, it's important to be aware of several key issues that may impact delivery and response times. This article outlines potential delays and clarifies the scope of LetterStream’s responsibilities.

USPS Delivery Delays

Mail delivery through the United States Postal Service (USPS) has experienced slowdowns:

First-Class Mail to the credit bureaus: Typically takes 5–7 business days for delivery.
Certified Mail to the credit bureaus: May take 5–15 business days.

These delays have been widely reported and may affect how quickly your letters reach the bureaus.

Extended Bureau Response Times

Credit bureaus now have more time to process your correspondence:

The standard response window has increased from 30 days to 45 days.
This change was made to accommodate delays related to the CARES Act.
Source: CFPB Policy Statement

Credit Bureau Responsiveness

Recent concerns suggest that bureaus may not be responding as effectively as in the past:

In November 2020, over 13,000 complaints were filed regarding lack of action.
The National Consumer Law Center (NCLC) submitted a formal complaint to the Consumer Financial Protection Bureau (CFPB).
Source: NCLC Letter

LetterStream’s Role

LetterStream is responsible for printing and mailing the letters you provide and we guarantee our side of the process:

Fast Turnaround: Nearly all letters are mailed within 2 full business days.
Internal Tracking: Our system ensures accuracy and timely mailing.
Mailing Guarantee: If your letter is not mailed, you are entitled to a refund.

However, once a letter leaves our facility:

We cannot control or take responsibility for how other parties handle your mail.
This includes any delays or lack of response from credit bureaus or the USPS.