elephant 0 Report post Posted February 5 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. Share this post Link to post Share on other sites
Harry Seaward 1,108 Report post Posted February 6 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. Share this post Link to post Share on other sites
fisthardcheese 1,122 Report post Posted February 6 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 Share this post Link to post Share on other sites
