CR Question?

[suzeeq]

I am planning on doing a dispute for a couple things..I've been reading all the info/help provided here...but, I'm still a little confused about obtaining my 3 CR's. I read that it's best not to use the free ones, as this will give them extra time - so my question is 1 - where is the best place I can go to purchase all 3? I know there are some sites you can sign up and pay for credit monitoring and to get your score, but can you also just purchase copies of your reports? and 2 when I purchase them are they just made available online and I print them out, or can I get them in mail..oh and 3, do I send in an entire copy of the reports with the dispute, or just the page/part that contains the info I'm disputing?

Thanks in advance for any help on this!

[Lian]

If you have not done so within the past 12 months, I suggest that you go to the free government-sanctioned site at annualcreditreport.com, and order a free credit report from each of the CRAs. Reports from this site are usually much more comprehensive, and better formatted, than commercial credit reports.
When they ask you if you want to buy a credit score, just say no and leave!

[suzeeq]

Thanks for your help...one question though, if I use the free reports for the disputes, doesn't this give them some extra time?