 bump
bro definitely listen to chane and read everything you can in the beginners section. I dont know how successful I will be in this journey but I feel my odds are heavily elevated. Knowledge is power!
So far I have opted out
I initially pulled my free annual credit report then I disputed personal information on there first just b/c I heard its typically easy to get this removed so I did it online. All my old personal information is gone with exception of Experian they said I had two previous addresses tied to trade lines but on TransUnion and Equifax all that shows is my current phone number current address Name social well last 4 b/c thats how I roll and well you get the point no previous employers had them all deleted all previous phone numbers the bare minimum so it feels good getting these steps out of the way.
I then purchased my credit report so when I file disputes and do debt validations I want to reference the paid for reports to not allow the CA the additional 15 days.
Right now though I am having fits getting a paid for report from experian though.
Somehow from what I gather experian and freecreditreport are one in the same
I went here
I also have my free credit report and it is better than the one off the site
I used the number on this site
experian.com/customer_service/mail.html
Used the number to obtain my paid for report the login is here
experian.experiandirect.com
It looks like an experian address but I have no report file number or anything
All this just seems weird. I thought freecreditreport and experian were different companies
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