Did I make a mistake

[the_photog]

Hello all, I'm a newbie here. I came across this site looking for ways to improve my wife and my credit. It has been great and I've learned TONS of valuable information.

I order my reports through myfico.com and I am working on disputing all the information I can. My question is, I use the free annual report for my wife to see what she as she had no idea what her credit even looked like. Was this a mistake? I understand that if we dispute info on the free report that adds 15 days to the amount of time for the dept to be verified.

If I were to order a report through myfico.com would that rectify the situation as I did pay for the reports? If I cannot use the myfico.com to get around the 45 days, how long should I wait before disputing anything on my wife's credit?

Thanks everyone!

[chane]

No, once you get the free reports, they get the 15 days. It's not that big of a deal, it's just better to buy them.