Credit Reports Galore - denied free experian equifax

chitownlifer asked:


I keep getting on web sites that ask for payment for a credit report. And some sites look like scams… I live in IL and thought I was entitled to 1 FREE report per year from each of the reporting agencies. But how do you contact them to get a FREE report.

Vernon

Ann asked:


Years ago I had about 2 years of a credit nightmare. I was young and didn’t know any better. Luckily I was able to pay off all of my debts and now only owe my student loans from college, which are not much.

I know I can contact the credit agencies myself but my credit reports are so overwhelmingly inaccurate and cumbersome. I am not kidding when I say 95% of my credit report is inaccurate. None of the companies notified them when they were paid off or when they were transferred from one company to another so some of my “debts” are even listed multiple times.

When I paid them off it took me forever and my mother’s help just to figure out what I owed and now it gives me a stomach ache to even look at it. I did the hard part - paying it off. Now I just want someone to go in, sort everything out, and dispute the inaccuracies. I am willing to pay a good, honest company but I all I keep hearing about is to be wary of scams.

Does anyone had experience with this sort of thing?

MARVIN