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