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The 30 days is notification from the collection agency, not the reporting agency.
You can call or write each bureau for your report. You are entitled to a free report from each bureau every year. If you get the free report, they have 45 days to handle a dispute instead of 30. If you have already gotten your free report, there is usually a charge, I believe about $8 for each.
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The answer is 42!!
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