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Regular Contributor
lionsfan20
Posts: 195
Registered: ‎11-26-2012

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

Valued Contributor
p-
Posts: 2,539
Registered: ‎06-05-2008

Re: Disputing credit report items

You can get your reports for free from Annualcreditreport.com

  2-13-14: FICO EXP: 779 - EQU: 742 - TRAN: 765 - AVG: 762 - +212 points from JUN 2008 - MY CREDIT JOURNAL

Regular Contributor
lionsfan20
Posts: 195
Registered: ‎11-26-2012

Re: Disputing credit report items

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

Contributor
TravisD
Posts: 94
Registered: ‎01-02-2013

Re: Disputing credit report items

Regular Contributor
lionsfan20
Posts: 195
Registered: ‎11-26-2012

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

Contributor
TravisD
Posts: 94
Registered: ‎01-02-2013

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) ........
Regular Contributor
lionsfan20
Posts: 195
Registered: ‎11-26-2012

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?

Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

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.


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Regular Contributor
lionsfan20
Posts: 195
Registered: ‎11-26-2012

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

Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

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!

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