What is the FCRA 30-day response window?

Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate disputes within 30 days of receipt. If they fail to respond, the disputed item must be removed. This tool auto-calculates all deadlines from your start date.

How does this compare to DisputeBeast scheduling?

DisputeBeast ($49.99/mo) has no calendar, no FCRA deadline tracking, and no team coordination. CreditAIPro's free dispute schedule provides 45-day FCRA timelines, auto-calculated deadlines, bureau-specific tracking, and team assignment -- saving $599.88/yr.

Can I track multiple clients with this tool?

Yes. Generate separate 45-day schedules per client with unique start dates, bureau targets, and team assignments. Copy or download each schedule for your records.

What CROA compliance features are included?

The schedule includes CROA 3-day cancellation windows, state-specific disclosure deadlines, service agreement milestones, and payment authorization timing -- all auto-calculated from your start date.

Tool #69 of 69

Mike Dispute Schedule

Free 45-Day FCRA Calendar vs Manual Spreadsheets

Replace Mike the Credit Guy's Excel chaos with an AI-powered FCRA compliance calendar. Auto-calculated bureau deadlines, CROA windows, Round 2 scheduling, team coordination. FREE forever -- DisputeBeast charges $49.99/mo with zero calendar features.

Mike Manual

Excel Chaos

CreditAIPro

$0 AI Calendar

Client Schedule Setup

Client Name

Start Date

Target Bureaus

FCRA/CROA Compliance Built-In

30-Day Bureau Response

FCRA-mandated investigation window auto-tracked

3-Day CROA Cancel

Right-to-cancel disclosure deadline calculated

Round 2 Auto-Schedule

Day 31 follow-up disputes auto-queued

Certified Mail Tracking

Delivery confirmation reminders built-in

CFPB Escalation Path

Day 45 complaint filing auto-prompted

Metro 2 Compliance

Data furnisher obligations documented

Honest Verdict: Who Needs This?

Use CreditAIPro Free Schedule If:

You want FCRA deadline automation
You manage multiple clients
You need CROA compliance tracking
You want to save $599.88/yr

Use Mike's Spreadsheet If:

You have 1-2 personal disputes
You prefer manual tracking
You already built your own system

Skip DisputeBeast ($49.99/mo) If:

Zero calendar or scheduling features
No FCRA deadline tracking
No team coordination
$599.88/yr for consumer-only tool

Explore All 69 Free Tools→

Read the full Mike the Credit Guy Review | Affiliate disclosure: We earn commissions from partner links.

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Methodology & Disclosure

This tool generates 45-day FCRA dispute schedules based on federal law (FCRA Section 611, CROA Section 404). All timelines follow statutory requirements. DisputeBeast pricing ($49.99/mo) and feature limitations verified February 2026.

Affiliate disclosure: CreditAIPro earns commissions from Credit Repair Cloud partner links. This tool is free regardless. Mike the Credit Guy and DisputeBeast are independent brands not affiliated with CreditAIPro.

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Educational use only. Not financial/legal advice.|Affiliate Disclosure | Full Disclaimer