debtstopay Posted January 22 Share Posted January 22 Its been a year, and I need a new copy of my credit report for 2023. Please tell where I can pay to obtain credit reports. I don't want the free reports or to sign up with any monitoring, et. Just pay and go for faster credit replies. Please send me the link where i can get the 4 CB reports for a fee. Thanks! Quote Link to comment Share on other sites More sharing options...
shifter Posted January 22 Share Posted January 22 You have to call to order your paper reports to be mailed to you. I don't have the link handy with the latest phone numbers, but I've had success lately using numbers I've found on Google. TheVig 1 Quote Link to comment Share on other sites More sharing options...
Rockford Posted January 22 Share Posted January 22 Annual Credit Report.com - Home Page Quote Link to comment Share on other sites More sharing options...
Aglet Posted January 22 Share Posted January 22 (edited) The following came from each bureau's respective website: EQ: 888-378-4329 EX: 888-397-3742 TU: 800-916-8800 IN: 866-712-0021 xo, Ag Eta Innovis information. Edited January 22 by Aglet MarvBear 1 Quote Link to comment Share on other sites More sharing options...
debtstopay Posted January 23 Author Share Posted January 23 Thanks - Does anyone have the mailing address and cost amounts for each of the 4 CBs? Quote Link to comment Share on other sites More sharing options...
shifter Posted January 23 Share Posted January 23 29 minutes ago, debtstopay said: Thanks - Does anyone have the mailing address and cost amounts for each of the 4 CBs? You provide the mailing address. You're the one receiving the envelope after all. Cost is variable but minimal. Quote Link to comment Share on other sites More sharing options...
fury1995 Posted January 23 Share Posted January 23 11 hours ago, debtstopay said: Thanks - Does anyone have the mailing address and cost amounts for each of the 4 CBs? You can also mail in a request through Annual Credit Report https://www.annualcreditreport.com/manualRequestForm.action Quote Link to comment Share on other sites More sharing options...
shifter Posted January 23 Share Posted January 23 3 hours ago, fury1995 said: You can also mail in a request through Annual Credit Report https://www.annualcreditreport.com/manualRequestForm.action Not recommended for disputes as that gives them 45 days to respond. fury1995 1 Quote Link to comment Share on other sites More sharing options...
Admin MarvBear Posted January 23 Admin Share Posted January 23 By law, a credit reporting company can charge no more than $13.50 for a credit report. You are also eligible for reports from specialty consumer reporting companies. Quote Link to comment Share on other sites More sharing options...
fury1995 Posted January 24 Share Posted January 24 8 hours ago, shifter said: Not recommended for disputes as that gives them 45 days to respond. Forgot about the 45 day response. It's been a minute since I've done it. hdporter 1 Quote Link to comment Share on other sites More sharing options...
fury1995 Posted January 27 Share Posted January 27 On 1/23/2023 at 10:38 PM, fury1995 said: Forgot about the 45 day response. It's been a minute since I've done it. Disputed, that is. Quote Link to comment Share on other sites More sharing options...
Aglet Posted February 3 Share Posted February 3 Here's Innovis, their reports are free. Innovis Consumer Assistance PO Box 530089 Atlanta, GA 30353-0089 According to the website, "Innovis offers free copies of your Innovis Credit Report." www.innovis.com/personal/creditreport Quote Link to comment Share on other sites More sharing options...
Aglet Posted February 3 Share Posted February 3 On 1/23/2023 at 10:50 AM, shifter said: Not recommended for disputes as that gives them 45 days to respond. Two questions: 1. How can they know you're using the free report for the information you're disputing? I never include any kind of confirmation or report number in my communications with them. Granted, I haven't yet had a problem with responses past 30 days, so I haven't had to press them on it. 2. Does the 45 day rule apply only to the first correspondence with regard to the hard copy report in question? When they include the new reports in the first response, couldn't one then use that new number/information and be back on the 30 day dispute resolution schedule? There's probably a long thread about this isn't there? 😂 Go ahead and link it, and I'll quit glutting this one up with already-answered questions. Xo, Ag Quote Link to comment Share on other sites More sharing options...
shifter Posted February 3 Share Posted February 3 I don't really know if/how they check it or if that really matters. If push comes to shove the burden of proof is on you to show they only had 30 days to respond and didn't do so and therefore the TL should be deleted. If you only have an ACR report, I don't see how you could prove it. Aglet 1 Quote Link to comment Share on other sites More sharing options...
Glacier Posted February 3 Share Posted February 3 Being companies that manage data, there is potentially a way for them to track when was the data was last accessed, and what was the source, the actual CB, ACR.com, or even Credit Karma. So when a dispute is received, they check where the last pull came from, and can determine time based upon that. But agreed, burden of proof is on the person submitting the request. Quote Link to comment Share on other sites More sharing options...
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