Dispute It With All 3 Individually?
Q: I disputed a collection on my credit report because I believe I paid the place off. I just got a notice from Experian that they deleted the collection off my report (yahoo!) Now my question is, will the other credit reporting companies get that same deletion or do I have to dispute it with all 3 individually
A: that the law entitles you to one free credit report from _each_ agency per year. Phone 1-877-322-8228 or go to http:/www.annualcreditreport.com . (I have seen a report from someone who tried both that it's easier by phone.) If you find a mistake on your credit report and successfully dispute it, you're entitled to an additional free report, which doesn't count as your free annual report. Source: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm