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  1. My question is based upon this: https://help.equifax.com/app/answers/detail/a_id/32/~/correcting-errors-on-your-credit-file "We will notify you of the results of the investigation within 30 days of your request (45 days if your dispute is based upon your free annual credit file disclosure)." So they will respond in 30 days UNLESS it is based on my free annual credit report? So then the best idea is to dispute WITHOUT including your free credit report right? I am trying to limit the timeframe so they have less time to respond, so they are more likely to not be able to respond on-time. So my main question is how are you guys disputing without including the free annual credit report? Does this mean if I buy a credit report instead of using my free annual credit report, then I will offer them only 30 days to respond? Because I would definitely be willing to pay extra. Or what if I just write down the items that I am disputing, without including any credit report at all. Does this still mean they only have 30 days? My main goal here is to get rid of that 45 day timeline. Thanks for all the help here guys. I can't tell you how much I appreciate it.

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