cancel
Showing results for 
Search instead for 
Did you mean: 

Disputing credit report items

Regular Contributor

Disputing credit report items

do you have to buy the report from one of the 3 major agencies or can you buy them off another site.

 

thanks

Message 1 of 12
11 REPLIES
Valued Contributor

Re: Disputing credit report items

You can get your reports for free from Annualcreditreport.com

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 2 of 12
Regular Contributor

Re: Disputing credit report items

I did this a few months ago and now they wont let you reopen the file so I cant.

Message 3 of 12
Contributor

Re: Disputing credit report items

Message 4 of 12
Regular Contributor

Re: Disputing credit report items

thanks but thats sort of not my question. If i buy all three credit reports from say freecreditreport.com...can I still dispute items or does it have to be directly off their sites.

 

IT wont let me access my credit report from myannualreport because I did it a few months ago so Id rather not purchase all 3 again. IF i can just buy a 3 in 1 deal

Message 5 of 12
Contributor

Re: Disputing credit report items

You dispute it from the CRA's site. I'd reccomend doing ScoreSense free trial, it will show you you all 3 CRAs and then you can just cancel it, rather than paying $30+ for FCR.com

........???................659 (FICO)................659 (TU08) ........
Message 6 of 12
Regular Contributor

Re: Disputing credit report items

yes but for example , when I go to experian to make a dispute , it says I need a report number. SO if i buy it from an outside source , How do i get a report number?

Message 7 of 12
Moderator Emeritus

Re: Disputing credit report items

I think you can buy just the report from EX for around $9 or so.  This will give you the report #.  Don't get the scores, they're worthless.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 12
Regular Contributor

Re: Disputing credit report items

yes but thats just experian so thats really worthless..some report only to equifax or experian and not all 3. I wound up buying it off of scoresense but it still didnt help me because now I cant dispute nething

Message 9 of 12
Moderator Emeritus

Re: Disputing credit report items

You don't need a report number for the other 2.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 12