Don't fall for the trap—skip the apps.
→ Get all three original reports from annualcreditreport.com (or by mail).
→ Identify any inaccurate information that needs to be fixed or removed.
→ Write a letter to each bureau, identifying each item that was wrong, and sending it certified mail, return receipt requested.
→ If they fail to fix the incorrect information, go to court (with the help of a lawyer who won't charge you) to sue for damages caused by their false reporting.
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The credit industry WANTS to lure you into these useless, fake report-and-dispute apps because using them prevents you from enforcing your rights.
What he should have done instead:
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The problem is, Credit Karma reports are hearsay, because they don't come directly from the credit bureaus.
And his online disputes didn't get saved, so he has no record of them.
That means has has no way to go to court to enforce his legal rights to accurate, timely, verifiable credit information.
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David cost himself thousands of dollars because he used the wrong credit app.
Here's what he should have done instead.
A lot of people like to keep an eye on their credit, and that's a good thing. A whole industry has sprung up, offering ways for people to do it.
But those apps are a trap.
David used Credit Karma to get his "reports" and to dispute information on them.
And when it didn't get fixed, he wanted to sue.
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MikeWas