If I already have a copy of my credit report from credit bureaus where do I get their contact info?

Question

I need to disupute incorrect info on my credit report but the toll free # listed want me to buy another credit report. How can I not purchase another report and file a dispute?

Answer 1

Here is a link to a pdf file you can download from the FTC on how to dispute an entry on your credit report.  You must follow the guidlines or you will run around in circles.

The CRA's have a specific format to file a dispute.  It works best to do what they need you to do.

http://www.ftc.gov/bcp/menus/consumer/cr...

Download a pdf file regarding how to dispute with CRA's

Hope this answers your question.

Answer 2

Here are their contact numbers and addresses.

http://www.badcreditfixup.com/credit-bur...

You don't need to purchase another credit report. Here are ways to dispute your negative credit. http://www.badcreditfixup.com/how-to-dis...

Answer 3

Never call the repositories as you will be on hold until the end of time.

In order to get your lines improved or worked on you MUST request it in writing. On the CR there are addresses to the repository.  Send  each one a letter with receipts and proof of payments on each line you want to dispute.  They have 20 days to reply, and 30 days to act.  It is better if you have legal representation by those whose only job is to work on credit.