I got my reports online. I have been able to handle the EQ and EXP reports, but not TU.You need the confirmation number to get past the automation BS. If anyone has the number to speak to a live person, I'd appreciate it. Thanks so much. ***I've been lurking for a while, getting my sh!t together. My credit is not as bad as I thought due to about 4-5 accounts that are perfect. All I have to do is get the negative ones off and I'll be golden.***
All TU's phone lines require a report number, because they are only required to provide phone assistance to consumers who have received a copy of their report. If you don't have a report number, mail them the dispute. It is better for you to mail the disputes because you don't have a paper-trail for any other type of dispute. If you need to eventually take a legal path with a dispute, you'll need all the paper-trail you can develop.
