elephant 0 Posted February 5, 2019 Report Share Posted February 5, 2019 I want to repair my husband's credit but I can't get started because Annual Credit Report won't send me his credit report. So 1/4/2018 I ordered it by mail, attached a copy of his driver's license and a copy of a bill just to be safe they have an address proof. Since then nothing, nobody ever got back to me and I have solely used the discover credit tracking. Fast forward 2019, I try to order his report again this time by phone since mail was unsuccesful. It has been more than 15 days and I got nothing again. Sent them a complaint through their online system and surprise, nobody has reached out to me. I am getting really frustrated and debating just ordering it online but I know if I do it I will limit my rights to dispute the accounts on the credit report. What is your advice? Is there any other way to contact these guys? Should I just give up and order online? Could there be a problem with address verification and that's why I don't get a response from them? Also, this if my first ever post here and just want to say I love being a part of this supportive community. Quote Link to post Share on other sites
Harry Seaward 1,357 Posted February 6, 2019 Report Share Posted February 6, 2019 The 15 day deadline only applies if you're making the request via annualcreditreport.com. If that doesn't work I just bite the bullet and pay the $10 or whatever directly to the bureaus if I want the full report. You can get a free online report from each bureau directly if you just want to start a dispute. Quote Link to post Share on other sites
fisthardcheese 1,502 Posted February 6, 2019 Report Share Posted February 6, 2019 10 hours ago, Harry Seaward said: The 15 day deadline only applies if you're making the request via annualcreditreport.com. If that doesn't work I just bite the bullet and pay the $10 or whatever directly to the bureaus if I want the full report. You can get a free online report from each bureau directly if you just want to start a dispute. There are SO many ways to get free full reports directly from the CRAs, I would never pay for one. Most states (if not all) have a mirrored state law that allows at least one free credit report in addition to the federal one free report. Some states even offer 2 - 4 free reports per year. I would check your state law. The CRAs used to have this information on their websites, but I haven't looked for it in a long time. If this were me, I would call the 1-800 number for each CRA and go through the automated system to order a report. The automated system used to have an option for a "free state report", but I'm not sure that exists anymore on the recording. If not, I would select "adverse action" as the reason you want a report. The automated system will complete your order and not ask for payment. Just decline the option for your credit SCORE for an extra charge. 1 Quote Link to post Share on other sites
