Why does it take over 30 days for a dispute?  I tried to get a loan and I have a negative history on my credit report that I paid off in full in May and it still shows on my history which resulted in me not getting a loan.  That was the only thing ever negative or that went to collection in my entire life.  I am very upset that I have to wait over 30 days for this to get looked into.  Any other suggestions Please?