Disputing items on credit report

[Anonymous]

I was trying to find the best website that you guys could recommend to receive a free credit report that will also allow me to dispute items that appear on the report.

Thank you.

[MarineVietVet]

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@Anonymous wrote:

I was trying to find the best website that you guys could recommend to receive a free credit report that will also allow me to dispute items that appear on the report.

Thank you.

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Hello and welcome.

You can get one free report once a year from each CRA at annualcreditreport.com. But remember that you should only dispute items that you truly feel are inaccurate.

[Anonymous]

Thank you

[Anonymous]

Would items that have gone beyond the 7 year window be considered for dispute in your opinion?

[MarineVietVet]

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@Anonymous wrote:

Would items that have gone beyond the 7 year window be considered for dispute in your opinion?

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Yes. If you can prove that something is reporting longer than the law allows then a dispute is called for.

What are you talking about? Late payments? Collections? Liens? Bankruptcies?

[Anonymous]

specifically,a vehicle repoed in 2004

[MarineVietVet]

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@Anonymous wrote:

specifically,a vehicle repoed in 2004

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I see. I would definitely pull all three of my reports and go over each of them carefully looking for any errors. It's unlikely that the information will exactly match across all three so don't be surprised by that.

[Anonymous]

thanks again, will do that.

[Anonymous]

ahhh, one last thing. Will i be able to dispute the items online through the website you mentioned?

[MarineVietVet]

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@Anonymous wrote:

ahhh, one last thing. Will i be able to dispute the items online through the website you mentioned?

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Once you go to the CRA's through annualcreditreport.com you'll see the procedure each CRA requires for disputing.