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Originally Posted by Ari Chi3fs
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.
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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.
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Transunion took 120 days, cuz they suck monkey ass.
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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.
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Originally Posted by banyon
don't do this too much, multiple credit report requests could actually affect your FICO score.
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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.
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Originally Posted by Donger
Is this worth doing if your credit score is already good?
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In a word:
YES! Get a copy of all three at least once a year.
MM
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