I just ordered my credit report from Facts Act?

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I ordered all 3 of them through them on the phone, will all 3 still come with dispute forms so I can dispute inquries? Like you can online?

Or am I going to have to send a letter to all the companies with the order numer and dispute through them?

Or should I do both, my online credit report which I paid 30 bucks for and only got two reports say I have 8 inquries that were used to determine my score over the last 6 months, but there were I counted 28 of them.

Some of these I did make, but some of them are on there twice from the same company, some of them are from the same day, I was under the impression that auto loans and such made within two weeks of each other counts as one.

I just ordered my credit report from Facts Act?

I assume you want to clean up your credit report and raise your score? If that is the case, don't use the dispute forms, they are worded incorrectly for the purpose of removing derogatory data.

Use a handwritten letter stating, "Please verify the following accounts." Then list all the problem accounts, wether or not they are yours. Most of these accounts will fall off your next report because the credit bureau won't receive the verification, or won't receive it on time (30 days) and you will get a letter in about 45 days stating the account was removed.

If you use their dispute form you can be accused of making false statements such as "Account not mine" or "Account was paid in full" and there could be legal ramifications for lying to the credit bureaus, it is a crime. Asking for verification is not the same as denying the account is yours or accurate.

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I just ordered my credit report from Facts Act?

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