burnednotice Posted January 18, 2012 Report Share Posted January 18, 2012 Quick question,Before I send off my first batch of disputes, should I be ordering reports directly from the CRAs themselves?currently I am using a 3-in-1 service from USAA.com. (I have already received the free copies several months ago, so am not eligible for that yet).I don't mind spending the extra money for direct copies, in fact I think it would be better since those have very detailed information, but is it necessary before I send off disputes so that the 30-day response is applicable? Link to comment Share on other sites More sharing options...
BigJT Posted January 18, 2012 Report Share Posted January 18, 2012 Nope, doesn't matter. Just a heads up: the CRAs will have 45 days to respond since you got the free ones recently.Good luck with the disputes! Link to comment Share on other sites More sharing options...
Coltfan1972 Posted January 18, 2012 Report Share Posted January 18, 2012 You always want to get the hard copies. As you point out, they are more detailed. As accurate a credit report is going to be, the hard copies are by far the most accurate. I'd order them and have them sent to me in the mail. With that said, the accounts you are 100% positive will be on any report, start with those while you are waiting on the hard copies. Link to comment Share on other sites More sharing options...
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