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A few years ago I had some problems with my credit report being corrupted with incorrect data. The official mechanism for correcting errors is to file a dispute for one item, wait for something like 30 days while they review it, then you can file another dispute. In my case there were more than a dozen errors (including bullshit like an alternate SSN, alternate birthday, etc.). I did some digging on the internet and found out an alternate method, which is to print out your credit report, make note of all the disputed items, add a cover letter and any supporting evidence, then send it via certified mail to a secret PO Box you can't find on any of the credit reporting agencies' websites. It worked like a charm.


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