Dispute Question?

[Anonymous]

I made the mistake of using freecreditreport.com and have the triple advantage being charged. I plan on cancelling however, I disputed a collection account on my report because I am unaware of what it is from. I want to know if cancelling that will in any way affect the dispute. As should I wait to cancel or cancel now. I want to get this collection account taken care of asap. If it isn't i'll cancel it tommorrow so I can be rid of the scam my naive self got into. Any and all advice would be appreciated!

[RobertEG]

Confused, the answer is that it has no affect whatsover on a dispute.  Disputes are made directly to the CRAs, and credit report vendors and score retailers have nothing at all to do with that process.

The only reason for maintaining the credit report service is that it will enable you to continue to pull your CR, and thus monitor prgress of the dispute, but the CRA must telll you that directly, once a dispute is filed. So not a concern.