Help › Plans

What counts as a cycle?

A cycle is the unit of work the dispute process moves in, anchored to the law's 30-day response window.

A cycle is one full round

Specifically: dispute letters mailed → the bureau's 30-day reinvestigation window under FCRA §611 → bureau response → preparation of the next round. Every 30 days you cover ground; that 30-day loop is one cycle.

What starts a new cycle

• A new round of dispute letters mailed after the previous cycle's response window closes.
• A reinsertion-rebuttal triggered by an FCRA §611(a)(5)(B) notice (its own short cycle separate from the main 30-day loop). See handling reinsertion.

What doesn't start a new cycle

• Re-uploading the same set of reports without new disputes to file.
• Editing or reprinting a letter that's part of the current round.
• Pausing your subscription mid-cycle and resuming where you left off.
• Bureau responses arriving on different days within the same 30-day window.

Why the definition matters

Every paid tier counts cycles, so the definition has to be stable and predictable. Counting every minor edit or every re-upload as a fresh cycle would be unfair; counting a cycle only when meaningful new work happened is the rule.

For tier-by-tier coverage see plans and billing and self-serve vs Agency. For the rhythm, see the 30-day cycle, explained.

Last updated 11 days ago.