when gathering evidence on your credit reports from the CRA. for disputing and violations. is it best to get the reports from the CRAs themselves. or obtaining them online and printing them on my printer.
I'm no expert on this but I'm pretty sure when you go to each CRAs site and order your report it is the same thing that they would send you in the mail.
I print out copies and also request them to send me one after their investigations and I keep it all. TU has had 2 different items listed on what they send me than what I get to download. Not sure why, but it was what I noticed.
Pull one from each bureau direct with scoring, that way you can track that as well. If you order a 3 in 1 report, you may be missing info for 2 of the bureaus like addresses and more detailed format on the information contained. I would recommend ordering by mail myself, there is a different format, I have not noted the differences complete myself though. Experian 800-397-3742 Equifax 800-685-1111 TransUnion 800-916-8800 Just call and select option for having been declined credit, good chance of scoring a free credit report that way without having to pay, if any creditor has accessed in the last 60 days you will get a free credit report regardless if declined for credit or not.
