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How to get FREE reports to file Online Disputes with the 3 Credit Reporting Companies Archived From: Finance

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alert mods    
   posted: Nov. 1, 2007 @ 11:50a

I don't understand how this is any harder than a stamp plus: "I was receantly denied credit or experienced adverse action please send me a copy of my report."

Print out 3 copies and wait for your report in 7-10 days.

Life is so easy when you read the laws governing things...


alert mods    
   posted: Dec. 31, 2007 @ 9:33p

Anyone know how to get your credit score for free? Or do you have to pay the credit agency $8 to get your score?


alert mods    
   posted: Dec. 31, 2007 @ 9:56p

You have to pay for your scores.


alert mods    
   posted: Dec. 31, 2007 @ 11:32p

Trinidon2k said:Privacy Matters 123 for $30 for a year

That will pull fako scores and reports from all 3 ...at $30 for a year, its hard to beat.

Fako? Man, all I get is FICO scores. But you can get your report free 3 times a year.


alert mods    
   posted: Jan. 2, 2008 @ 3:08p

I would recommend, "freeze" your credit with all the three agency. It will cost you $10 each but it is worth. They will provide you "PIN" and thereafter no one can get your your credit report or access your credit scores without your permission. You can open it up for certain days or for a particular party for a certain period.


alert mods    
   posted: Jan. 2, 2008 @ 5:01p

pandy said:I would recommend, "freeze" your credit with all the three agency. It will cost you $10 each but it is worth. They will provide you "PIN" and thereafter no one can get your your credit report or access your credit scores without your permission. You can open it up for certain days or for a particular party for a certain period.
That wouldn't have prevented the OP's problem. The CSR enters the wrong SSN, the account gets opened, it gets reported to your credit reports, regardless of freeze.


alert mods    
   posted: Jan. 3, 2008 @ 12:55a

to dispute online with Equifax, click on the OP's link and get your CR, then goto http://www.Equifax.com/online-credit-dispute/ and you candispute online


alert mods    
   posted: Mar. 20, 2008 @ 4:08p

I updated the quick summary with this LINK that has links to all three online disputes.


alert mods    
   posted: Mar. 20, 2008 @ 6:48p

Vmaxer said:I updated the quick summary with this LINK that has links to all three online disputes.

Thanks and just what I need.


alert mods    
   posted: Mar. 20, 2008 @ 7:00p

NP. I wasn't sure if the topic of "strategies of fixing CRs" should be started in a new thread or evolved into this one. With all the refi's going on this is a good strategy to boost the FICO.


alert mods    
   posted: Jul. 5, 2008 @ 8:29p

Bump to prevent archiving. I think it's good to have this thread going, as the methods and links may change and therefore may need updating.


alert mods    
   posted: Aug. 27, 2008 @ 5:46p

SS7Man said:Stop being cheap and fork over $11 to pull your credit report that could potentially save you thousands because of bad credit over identity theft, error(s), or whatever comes out of this ... sheesh, penny wise and pound foolish

I'm all for freebies but this isn't the time ..

good advice.


alert mods    
   posted: Aug. 27, 2008 @ 5:48p

JustLJ said:You might try filing a police report too, to give you some additional backup in case BOA "forgets" to correct it.
better advice.


alert mods    
   posted: Aug. 27, 2008 @ 5:50p

codename47 said:I don't understand how this is any harder than a stamp plus: "I was receantly denied credit or experienced adverse action please send me a copy of my report."

Print out 3 copies and wait for your report in 7-10 days.

Life is so easy when you read the laws governing things...

Doubleplus good idea.


alert mods    
   posted: Oct. 11, 2008 @ 9:33p

Bump


alert mods    
   posted: Oct. 22, 2008 @ 8:05p

thanks for the bump..

I recently got the same problem. Some idiot at BOA entered my SS# on someone's else credit card.
I am not sure what to start.


alert mods    
   posted: Oct. 23, 2008 @ 7:47a

I know this may be a dumb question but can you get a report if you don't have a dispute?


alert mods    
   posted: Oct. 29, 2008 @ 10:20a

Wid3load said:I know this may be a dumb question but can you get a report if you don't have a dispute?Per the Experian link inside OP's post:

"Within the last 60 days, if you have received notice that you have been denied credit, insurance or employment or experienced adverse action, such as a negative change to your credit limit, based on information from Experian, you qualify for a free report."

Per the Equifax link inside OP's post:

"If you've been denied credit, insurance, change in credit limit, or other benefits within the last 60 calendar days, or you've recently placed a fraud alert on your credit file, you may use this site to request and view a free copy of your file..."


alert mods    
   posted: Nov. 9, 2008 @ 6:07p

I'm pulling 3 credit reports (1 week trial) and see that Experian reports 2 delinquencies, while other two agencies do not. In the reports themselves, I don't see any problem.
Trying to access online dispute with Experian, and getting this message. Any idea / similar experience ??

================================================
We are unable to allow access to our online dispute service at this time. You must have a current copy of your personal credit report in order to dispute information.

If you recently obtained an Experian credit review from another company, then you may want to try your dispute later. Our system does not yet recognize your order.
If you have not obtained a copy of your personal credit report, you may call 1 800 204 1410 to order your report through our automated service. If you are entitled under state or federal law, your report may be free.
=================================================
Another annoyance:
When filling online forms, I was asked to provide credit card numbers from the list of credit cards fro my records. Some cards are old, closed, and numbers are well forgotten. For example, during my life I had many CC from BoA, only one is active, but when I typed its number, the system rejected it. How do you deal with this ?

Thanks


alert mods    
   posted: Jan. 20, 2009 @ 3:01p

(bump)

I have tried three times to dispute at Experian and have been getting the following message:

We're sorry. We experienced a system problem and we are unable to provide your personal credit report for online viewing at this time. You may want to try again later.

I put my Experian credit file on ice for a while last August but have since lifted the freeze.

Anyone else encounter this problem?

FWIW, I was able to view Mrs J's Experian file after lifting a freeze she had since last July.


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