Did you get one credit report from all 3 or just one total and sent that 1 to all three agencies? I just refinanced a rental property I have and had 2 bills I've paid off 4-5 years ago still on my report. The guy said it'd probably raise my score by 30+ points if they're off.

Those are the only dings on my reports.
Also, addresse etc on who you wrote.

Anyhelp is REALLY rep worthy.
Thanks in advance.

I just put a check by all three and did one report.

Dial into that link I provided. You can file a dispute on anything on your report right there. You should be able to take care of it right away.

It only gave me one of the three. I'd imagine it's because I moved less than a month ago, though.

I did a report from each... getting TransUnion took forever... they actually had to mail it to me. But, I raised Experian and Equifax 111 and 60+ respectively.

I just marked beside the incorrect data with a red pen and sent that report to the proper agency... within 45 days on each one, they had amended their report.

Transunion took 120 days, cuz they suck monkey ass.

I went the www.csccredit.com method. Mailing supporting evidence tonight. Hopefully I'll have all 3 well above 700 now.

Bump for the day crew in the event you would like to get a report.

BTW, for people's info.

I'd recommend choosing the Equifax report, since it is the only one you can print off instantly.

2nd, don't do this too much, multiple credit report requests could actually affect your FICO score.

3rd, disputing anything wrong with one of the agencies means that they have to report it to the other two as well.

Bob Dole printed all 3 instantly...

Is this worth doing if your credit score is already good?

Actually, by law they have to fix or remove any negative information on your report that cannot be verified as negative. Can't remember the actual time frame, though.

No one uses those cockmonkeys anyway. Equifax is the most used, followed by Experian.

For the record, I ask for mine separately because, from my experience, each one has at least one thing completely different than the others.

Actually, that depends on whether it's a "soft" or "hard" inquiry (insert finance-related Viagra pun here), and any time a consumer requests his or her own report, it's considered a "soft" inquiry and does not affect your score.

Or at least it didn't used to.

In a word: YES! Get a copy of all three at least once a year.

MM
~~:thumb:

It's that time of year again.

I pay them for the cerdit monitering. I have a DOD "Secret" clearance. 90% of all clearances get denied because of poor credit.

Someone starts to use a credit card, start an identity theft I'll know about it.

This isn't one of those things where you actually get a free report and then later are charged $15/mo out of nowhere is it?

This is wrong. You can check your own score as much as you like. It's when you authorize others to do it that impacts the score.

Also, another way to get a free report is to apply for something that you know your credit will not be good enough for. Then when you are declined, they will give you an address to write to and by law they have to give you a free report. You can do this even if you have used up annualcreditreport.com's freebie for the year. (Note: applying for the loan you can't get may give your scor a small ding)