Must I dispute a negative item with all 3 credit bureaus?

Question

I have a negative item on my credit report. I disputed it online with Exparian, and got it removed. Do i have to continue to dispute it with Transunion and Equifax?

Answer 1

Yes.  They are 3 separate companies with their own systems, so you must dispute with each one individually.

Answer 2

You should use credit repair agency to fix your credit - for example this one - http://buildcredit.ifastnet.com - They can clean lots of bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast.

Answer 3

Yes and no.  If all  three bureaus reflect the same negative information...yes.  If only Experian is reporting it ... no.  

You need to order a "tri-merge" or a report reflecting data from all three bureaus to ensure that your information is correct.  Either that or order a separate report from all three.  

If this is not done, incorrect data will remain on the other two bureaus which can have a negative effect on the total fico scoring for each.

Best of luck.