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most informative place to get a credit report?

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I have True credit from Transunion right now but am wondering if I should be buying a different one.. I've seen all sorts of listings on here saying yes and no. But what I'm interested in is which CR is going to be most helpful and legally binding in the info it provides? If I dispute using true credit saying that a balance is incorrect is it going to be just as valid if after looking at a fico report that lists something different? which to use????

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