I have already used the free anual credit report service but now I need to be able to have access to all 3 of my reports on a continuing basis to make sure negative the things that are suppossed to come off do come off. Which service should I use?
2007-10-18 05:25:13 · 2 answers · asked by Anonymous in Business & Finance ➔ Credit
You don't need "access to all 3 of my reports on a continuing basis" to make sure the negative items come off".
Hopefully, when you are disputing this information you have sent the disputes by Certified Mail with a Return Receipt. This is the only way you will have proof that they recieved it.
If you sent a dispute to the Credit Reporting Agencies(Equifax, TransUnion, Experian) and they remove it, they will send you a copy of your corrected credit report. If it was not removed, they will send you a letter stating that the information was correct.
If you disputed it with the Creditor reporting the information they have 30 days to respond. If they do not respond you can contact the Credit Reporting Agencies stating that the company did not respond and to remove the listing.
Which site did you use. There is freecreditreport.com which is NOT free and provides a credit monitoring service. But the real free site is called http://www.annualcreditreport.com You are allowed 1 free report per year from each of the 3 main CRA's. You can take them all at once or spread them out over the year.
2007-10-18 05:37:42 · answer #1 · answered by OC1999 7 · 1⤊ 1⤋
Don't waste your money paying for monitoring services.
Spread out your free reports from each credit bureau -- one every 4 months. That will be more than sufficient to catch any errors, unless you have some ID theft problems.
2007-10-18 12:30:53 · answer #2 · answered by bdancer222 7 · 1⤊ 1⤋