[quote=“sureshot!,post:23,topic:26976"”]
pulling your credit for free effects the ability to dispute, that’s why it’s not recommended if you think you need to dispute or repair your credit.
if you don’t need to repair or dispute anything, pull it for free, but if you are going to fight it… pay the 10 dollars.
[/quote]
I just pulled mine for free to see how bad my brother fucked up (see thread from like 6 months ago) my credit. Sure enough all of his stupid accounts of forging me as a co-signer was on there for delinquent balances.
I did my free one through Equifax, and they let you contest it if its free, as I contested it and sure enough those have been removed from my credit report yay! Although they said it could take a quarter for my score to reflect the changes.
Maybe of the free ones Equifax is the only one to let you contest? Dunno.