Hello all, First I just wanted to say what an awesome site this is. I will definitely be advertising this site to all I know. It is up to us, as consumers, to take the power from greedy politicians, swaying to corporate handouts, and give it back to the people. Unfortunately, I will never see it in my life time. I tip my hat to those of you on this site who are dedicated to informing your fellow citizens. Just a few questions before I get started. I have received all my reports, with exception to experian. I used the online free report. Should I request a hardcopy, or is the online report sufficient? Do you guys and gals have a preference, based on experience, to view all three credit reports with scores? Is it better to dispute online, certified mail, or both? Do you send all disputes together, or separate? Thanks for all the help!!
All my questions were answered on the FAQ page, should of read first. If you guys have any preferences from personal experience, to the questions, it would be great to know. Thanks
Hi and welcome to the board! You're right, CNet is a great place - lots of terrific and knowledgeable people. If you get it online, make sure to print out a copy. One reason is that you'll need a hard copy for proof if they decide to re-age your accounts. I printed mine and made notations on COPIES leaving the original clean. For me personally, I first went through... oh experian I think and pulled a 3 CRA report on my DH... paying out the $35.00 Then I go wise and pulled mine on two CRAs individually - for free as long as I cancel before 30 days. THEN more wisdom came (from reading here) and I signed up with Privacy Guard. They are promoting a 2 month free trial and access to all 3 with scores for free during that trail period PLUS I can pull once ever 24 hours with no extra charge. I really like Privacy Guard so far and only wish it wasn't $119 / year for each of us after the trial. I guess from what I've read, there's nothing wrong with disputing online but the majority I think do so by CRRR (certified registered return receipt). After asking a lot of questions, they've convinced me this is the best way - esp for the CAs (Credit Agencies) to have proof if you are ever involved in a suit (think violations on their part not yours). I'm not positive of this answer because I'm still wet behind the ears here however what I did was first and foremost was to dispute old addresses, incorrect names and/or and DOBs to all three CRAs. Before knowing what I know now, I also sent off disputes over unauthorized pulls on my credit report. I have some public record disputes that I'll do seperate (unless someone here tells me I shouldn't) from the disputes on the accounts. As soon as the addys get updates, then I'll dispute the other two. Some advise: Newbie Questions - a must read http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243 FAQ - another must read http://www.awesomecredit.com/faq.htm You'll also find a listing of terms/credit lingo and sample letters. Two things of many that I've learned here that I'll share with you are this: 1. they never laugh at me no matter how many dumb questions I ask. 2. USE THE SEARCH before asking -- makes oh so many people happier. Good luck to you! Shanyl
Try using the <search> function, as these questions have been covered many, many times. It will also become your best friend when doing research. 1. You need to get an individual report from each bureau seperately. Online reports are okay, but the first sentance is more important. 2. I dont usually order reports with fico scores, only when I've made good progress with deletions. I wouldnt pay extra for a fake fico score. 3. I always dispute CMRRR, that way I have a paper trail. 4. It depends on how many disputes you have to send. If you have several, I would dispute a few at a time with each bureau, but there is other important stuff that I would do before firing off a bunch of dispute letters. Try reading as much as possible before getting started, rather than just jumping in. Being patient now and researching will save you many, many headaches, especially when dealing with experian. Read the "NEW MEMBER MUST READS" GOOD LUCK!!!
Thanks for the info. Whats the best way to update your personal information. Is there a sample letter? For example Addresses, employment, etc?
Whats the best way to update your personal information. Is there a sample letter? For example Addresses, employment, etc? Newbie! ================== Special for newbies ------ Read these links[color] http://consumers.creditnet.com/stra...0243#post410243 Just call and have it corrected. Never read the fine print. There ain't no way you're going to like it.
http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243 Thanks for the info. Whats the best way to update your personal information. Is there a sample letter? For example Addresses, employment, etc? [/QUOTE] Just call the CRAs to have it changed.
Re: Re: Newbie! lbrown59 - for the life of me, I couldn't get through so I just sent them a letter. Now, if you know of numbers where you can actually get a live body - I'd love it if you'd share them. Shanyl
Nope, at least I don't think so. I got mine through PG - but maybe I just missed them. I'll check again. Shanyl
Re: Re: Newbie! I just took the referral to this link out of my signature line because rather than appreciating the assistance a newbie found it offensive. It's a shame one person had to spoil things and make it harder for new people to find the basic information they need.
Ok, maybe I'm just really tired..... but for the life of me, I don't see the numbers in your post of the links in it.
NEW MEMBERS READ THIS. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243 ************************************************************ the CAs (Credit Agencies) to have Shanyl ***************************************************************** A CA is a collection agent not a credit agent. Never read the fine print. There ain't no way you're going to like it.
