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"3-in-1" Reports


Saptrus
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Has anyone else found gross inaccuracies in the so-called "3-in-1" reports? (or any other reports not directly supplied buy the CRAs).

I ordered one from Intersections some time back and it was riddled with out-of-date info and glitches. Today I signed up with TrueCredit to get my TransUnion report online and that seems outdated, too. It's like it's giving me a report from a month ago.

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Would you include PrivacyGuard among those that are worthless?

I noticed inaccuracies (employer, previous address, etc) in my PG report, but I just assumed that the 3 CRAs were providing bad info on me and I mailed dispute letters to the CRAs accordingly.

However, when I received my actual report directly from TU, I did notice that some info was different than listed on the PG report.

Do you recommend that we not use PG report info when disputing items?

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<blockquote>Originally posted by Swede

3-in-1's are worthless, don't waste more money on it.

</blockquote>

When I was considering filing suit against the credit bureau's for disseminating innacurate credit info, the attorney asked me to bring a copy all three of my reports. When he saw my 3-in-1 report he tossed it into the paper shredder.

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<blockquote>Originally posted by tarheel99

Would you include PrivacyGuard among those that are worthless?

</blockquote>

Yep-it's good for bumpage but that's about it, oh and the $1 for 3 months is good. I prefer to get my information directly from the horse's mouth and not a third party, and yes, I too find inaccuracies on PG.

I don't dispute on PG, I dispute with the big three's, those are my concern. If I apply for a credit card with Chase, they're not going to check my 3-in-1 at PG, that's why I'm concerned with accuracy in those three.

[Edit by Swede on Thursday, May 29, 2003 @ 07:38 AM]

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